Do you need money right away, but dont want to go to the bank and stand in an endless line? Open a revolving credit line at Smartiway (SMARTIWAY UKRAINE LLC) — we are the first FinTech company in Ukraine that has made the online using of credit lines simple and mobile.
With Smartiway, you can open a credit line and receive money to your bank card within a few minutes. For registration, no certificates or collateral are required - just a smartphone, phone number, and bank card.
How to open a credit line?
► Download the app and register with a few taps.
► Select the term and the limit of the credit line. The intial limit of credit line you can request is up to UAH 4,000.
► Pass identification using the BankID System and verify your bank card.
► Get a transfer and use money.
► Why is it profitable to open a credit line in Smartiway?
The credit line limit amount is up to UAH 30,000.
You can open a credit line with the limit from UAH 100 to 30,000.
► The fastest credit line online
It takes only 1 minute to open a credit line and receive money on a card.
► Available 24/7
Our app is convenient - it can be used at any time.
► Automatic agreement
While opening a credit line - no calls, communication with employees, and explanations why you need money - everything happens automatically.
► Cashback and bonuses
For the timely repayment, you receive bonuses under the loyalty program, with which you can pay the accrued interest.
You will also receive UAH 100 for registration and identification through the BankID, and according to the "Invite Friends" program, you can receive from UAH 100 to 1000.
► Credit line period – up to 180 days
The maximum period is 360 days, including the possibility of extending the credit line terms.
The minimum credit line period is 6 months (180 days), however, according to the current legislation of Ukraine, the client always can close the credit line ahead of schedule (even a few days after opening).
► Need a prolongation?
The client always has the opportunity to issue an prolongation. Only accrued interest has to be paid.
► Top-up - an increase in the size of the credit line limit is available.
► Safety
Smartiway cares about the safety of its clients, so all data is protected according to the global PCI DSS security standard, developed with the participation of VISA and MasterCard.
► Convenience of repayment
You can pay off the debt in the application or make a payment to the companys details in your Internet banking, bank cash desk or self-service terminal.
► Minimum restrictions
The only restriction on opening a credit line is the age of 18 years.
► Interest rate
An example of interest rate calculation:
- upon receipt of the first tranche in the amount of UAH 10,000 for a period of 180 days and monthly repayment in the amount of UAH 1,684.21, the total cost of the credit line will be UAH 10,105.26,
(6 payments for UAH 1,684.21), including interest for using the credit line - UAH 105.26 or 1.05% of the credit line limit amount, APR - 3.65%;
- upon receipt of the subsequent tranche in the amount of UAH 10,000 for a period of 180 days and monthly repayment in the amount of UAH 1,791.29, the total cost of the credit line will be UAH 10,747.73
(6 payments for UAH 1791.29), including interest for using the credit line - UAH 747.73 or 7.48% of the credit line limit amount, APR - 25.55%.
Smartiway is:
1. Opening a credit line from your smartphone.
2. Money transfer from card to card.*
3. Replenishment of a mobile number.
* soon
The above information is not an offer to conclude a credit line agreement (proposal) but contains a description of the operation of the Mobile Application under the original name Smartiway on the App Store platform.
Our team is constantly working to improve and develop the service.
Have interesting ideas or suggestions? Write to the mail: [email protected]
We appreciate your feedback on App Store.
► Organization address
Ukraine, 03066, Kyiv,
Okhtyrsky Lane., 7