Ariba

With Ariba, money on your card exactly when you need it. Apply online in the application - quickly, without queues and papers - and find out the decision in a few minutes. We are in touch 24/7, so you can apply and receive funds on your card at a time convenient for you.
To apply, you only need a smartphone, bank card, passport and TIN. The service is available to citizens of Ukraine aged 18 and over.

Loyalty program:
Customers have discounts on payments and/or interest rates. They are applied automatically, without additional actions on your part.

Ariba is not only about applying for a loan, but also full control over it: in the application it is convenient to monitor the details of the loan and make payments in any available way.

About the lender:
The Ariba application belongs to LLC "GAMA UPGRADE" (EDRPOU code 41919810) and is intended for processing and servicing consumer loans in Ukraine. Legal address: 01133, Kyiv, General Almazov St., building 13, office 301.

Credit terms:
- loan amount - from 1,000 to 50,000 UAH;
- borrower's age - from 18 years;
- minimum full repayment period - 365 calendar days;
- maximum full repayment period - 365 calendar days;
- standard interest rate - 0.9% per day (328.5% per annum);
- one-time loan disbursement fee - 10% of the loan amount;
- APR - from 2,258.11% to 2,895.10% depending on the frequency of payments;
- maximum APR - 2,895.10%;
- payments - every 15, 20, 25 or 30 calendar days according to the terms of the agreement;
- new clients, if there is a special promo code, the first loan can be provided at a rate of 0.01% per day for the first payment.

A typical example of the total cost of the loan:
Credit 20,000 UAH for 365 days at a rate of 0.9% per day.
- Accrued interest - 65,700 UAH.
- One-time commission - 2,000 UAH.
- Total loan costs - 67,700 UAH.
- Total amount to be repaid - 87,700 UAH.

Examples of calculation with a promo code (first loan for new clients, 0.01% per day on the first payment in 30 days, then 0.9% per day):
- 1,000 UAH for 365 days: commission 100 UAH, interest 3,018 UAH, total until repayment 4,118 UAH.
- 5,000 UAH for 365 days: commission 500 UAH, interest 15,090 UAH, total until repayment 20,590 UAH.
- 50,000 UAH (maximum limit) for 365 days: commission 5,000 UAH, interest 150,900 UAH, total until repayment 205,900 UAH.

The exact terms of a specific loan, payment schedule, RRPS and the final cost are recorded in the loan agreement and documents that the client receives before signing it.

Loan repayment:
You can repay the loan in several ways: in your personal account, with a bank card online, through the EasyPay service or by bank transfer to the lender's account.

You have the right to repay the loan early in full or in part in accordance with the legislation and terms of the agreement.

In the event of a late payment, the consequences provided for by the loan agreement and the current legislation of Ukraine apply.

License:
GAMA UPGRADE LLC operates as a financial company with the right to provide funds on credit based on the license of the National Bank of Ukraine for the activities of a financial company dated 03/18/2024 (Extract from the State Register of Financial Institutions dated 03/18/2024). The license is indefinite.

Support service contacts:
[email protected]
0 800 20 52 52
+38 (063) 375 25 29

Full lending terms, essential service characteristics, lender documents and personal data processing procedures are published on ariba.com.ua.
Privacy policy: https://ariba.com.ua/privacy-policy