Enjoy it right away,
pay in installments

The installment plan is available to citizens of Ukraine aged 18 to 69 who have installed the mobile application and have a NovaPay card.

You can apply for an installment plan in different ways only in the NovaPay app. Choose the most convenient one for you 👍

👉 Tap the ‘Loans’ menu at the bottom of the screen. Then tap ‘Calculate’ to find out your maximum amount — your total limit determines it.

👉 From the transaction details: select a payment of UAH 500 or more in the History and click on ‘Transfer into installments’.

You can transfer transactions from UAH 500 up to the amount specified in your personal credit limit in installments.

⛔Exceptions: gambling, payment for international delivery by Nova Poshta Global, bonds.

Yes, of course. You can apply for an installment plan and receive money on your NovaPay card. And then you decide what to do with it😉

Pay for the installment plan in equal monthly installments in our stylish NovaPay app
1. Click on "Loans" at the bottom of the screen and select the loan you need.
2. Then click on "Repay". You will see the date and amount of the following payment.
3. Select the required amount and pay by card.

The payment schedule is outlined in the application for accession to the agreement. A link to it is sent when you apply for a loan.

You can also pay for the loan in other ways:

• at the Nova poshta branch The services are provided at NovaPay points located in Nova poshta branches. ;
• independently using NovaPay Credit details at any bank or online service.

NovaPay Credit details:
Recipient: NovaPay Credit LLC
EDRPOU: 40055034
Recipient's account: NO. UA509358710000067315000000161
Recipient's payment institution: NovaPay LLC
Payment purpose: Loan repayment under Application No. XXX for accession to the agreement. Borrower's full name. Borrower's tax identification number.

The first payment must be made within a month, by the same date in the following month on which the loan was issued. Then, you pay monthly according to the payment schedule.

For example: a loan is issued on 15 January → the first payment is due by 15 February, then you pay by 15 March, 15 April, 15 May, and so on.

If there is no such date in the month (for example, 29 February or 31 June), the payment is transferred to the last day of that month.

The full payment schedule is set out in the application for accession to the agreement. You will receive a link to it in a message when you apply for a loan.

The loan is provided by NovaPay Credit LLC, which is part of the NovaPay financial group and part of the NOVA group of companies. The company has all the necessary licenses and permits from the NBU.
More about NovaPay Credit LLC

Yes, when calculating the limit, you must agree that NovaPay Credit will receive your credit history.

👉 The loan is granted for a period of 1 to 36 months.
👉 The annual interest rate for using the loan is 0.00001%.
👉 The loan servicing fee – from 2.5% to 6.0% per month of the borrowed amount.
👉 Real annual interest rate – from 38% to 206%.
👉 The loan can be issued for the amount from UAH 500 to the amount specified in your personal credit limit.
👉 You need to pay the loan in equal monthly installments.

Yes. You can apply for a new installment plan within your personal credit limit.

You will see detailed information about all the terms and payments during the registration of the installment plan in the NovaPay application and in the documents that will be generated during the registration.

However, we imagine you borrow UAH 5,000 in installments for 12 months. Let's do the math.
Monthly payment: 5,000/12+5,000*3.5%=UAH 591.67.
Total overpayment on the loan: 5 000*3.5%*12=UAH 2,100.04
Total cost of the loan: UAH 7,100.04

Your total limit is calculated automatically based on your credit history, monthly income, and other factors that affect your solvency.

Most likely, we do not have enough information about you to calculate your credit limit. The credit limit is calculated automatically based on your credit history, monthly income, and other factors that affect your solvency.

Tap ‘Calculate limit’ in the ‘Loans’ section. We will request your credit history, and in a few seconds, you will receive your limit. If we need more time, you will receive the result in a push notification.

You can only apply for an instalment plan for amounts between UAH 500 and your total limit.
If you are currently unable to apply for an instalment plan, check your limit in the app on the loans page next month😉

Yes, of course. You can repay the loan in full early without additional fees and interest by paying only the fee for the current month.

If you pay more than the scheduled payment, the excess will be used to repay the principal (body) of the loan.

As total debt decreases, we will adjust the payment schedule if the overpayment equals or exceeds the scheduled payment. All subsequent payments will be reduced evenly. The loan term will remain the same.

Find out the amount you need to pay to make a full repayment. You can do this in the mobile application or by calling the contact center at 0 800 30 79 79 .

Pay this amount as it is convenient for you: in the NovaPay mobile application or at the Nova poshta branch The services are provided at NovaPay points located in Nova Poshta branches . You must provide your passport to pay UAH 5,000 or more at Nova poshta.

In case of full repayment, interest is charged only for the actual number of days of using the loan (0.00001% per annum) and a loan servicing fee of 2.5%-6.0% of the borrowed amount for each month of use, the amount is determined individually.

There are no additional fees or penalties for early repayment.

We are grateful to everyone who has stood up to defend Ukraine.

Borrowers in the military are exempt from paying interest on loans. They are also not subject to fines and penalties for late repayment.

These privileges are provided for by the Law "On Social and Legal Protection of Servicemen and Members of Their Families".

To receive the privilege, the borrower or their close relatives must notify the bank of their military service and provide supporting documents:

• a military ID-card with service marks in the relevant sections
• or a certificate of call-up for military service issued by a military commissariat or military unit
• for reservists – an extract from the order or a certificate of enrollment in the military unit
• other documents confirming military service

You can report in a way that is convenient for you:

• by e-mail to [email protected]
• by letter to the address 03026, Kyiv, Stolychne Shosse, 103, building 1, 13th floor, office 1307
• by phone at 0 800 30 79 30

You can find out everything about your debt, the amount and date of the following payment, and other loan information in the NovaPay mobile application or at the NovaPay contact center.

In the NovaPay app, go to the ’Loans’ menu at the bottom of the screen. After that, select the desired loan from the list and go to the loan details. There, you will see the amount of debt on the loan, the amount and status of the current payment, and the date by which it is due.

Call the contact center at 0 800 30 79 79to find out the amount you need to pay for full repayment, the amount of the current payment and the existing debt.

Call the contact center and use the phone number on which the loan was issued.

If you need a loan repayment certificate, download it via the NovaPay mobile app. Alternatively, you can access it via email – we’ll send you a message as soon as the loan is closed.

To receive a paper copy, please contact us at 0 800 30 79 30. We’ll prepare and send it to you within 5 working days.