Ocean.me

Features Ocean.me

The first in Ukraine BNPL service "Buy now - pay later", online loans up to UAH 200,000- Purchases in installments and money on credit- Goods from the largest stores in Ukraine- Buy in four installments without interest- One page contract- No fines, even for overdue creditOcean values:- Transparency.
Clear payment schedule, calculated before the purchase, no hidden fees after signing the contract- Simplicity.
One-page contract without "fine print"- Environmental friendliness.
Without plastic cards and paper contracts.
We support environmental initiatives in the country- Security.
First you receive and check the goods, and then you pay- Convenience.
Order several models, sizes or colors for fitting and selection without freezing your own money- No subscriptions.
No first payment.
Pay only if you left the goods to yourself- No overpayments.
Divide the purchase into 4 payments without interest and commissionsTerms of cash loans:- The amount from 500 to 200,000 hryvnias- Term from 6 to 36 months (with the possibility of early repayment without overpayments)- Rate from 0% to 39.99% per annum + commission from 1.99% to 11.99% per month (effective annual interest rate from 87.07% to 259.58%)- With a loan of 10,000 for a period of 12 months, paid in equal installments, the monthly payment is from 1325 to 2224 UAH (depending on the credit rating, the availability of official income and other factors).
An additional fee of 2.5% is paid.
The total cost of the loan is from UAH 6,153.6 to UAH 16,933.95 (excluding the body of the loan).Example of payments for the credit product "Annuity Prime", for a period of 12 months, the amount of 10,000 hryvnias:- 12 monthly payments of 1 1,325.30 (Loan body: 75 759.72 + Interest: 16 166.58 + Monthly interest: 39 399.00) + Issuance fee: 250 250.00- Total to be paid: 153 16,153.60- Effective annual rate (APR) 101.14%.More information and examples of calculations can be found on the website https://ocean.me/