Smartiway 10.3

Are you in need of immediate funds but don't want the hassle of waiting in long bank queues? Consider opening a revolving credit line with Smartiway (SMARTIWAY UKRAINE LLC). As the first FinTech company in Ukraine, we have simplified and streamlined the process of accessing credit lines online.

With Smartiway, you can open a credit line and receive the funds directly into your bank account within minutes. There's no need for certificates or collateral - all you need is a smartphone, phone number, and bank card.

How to Open a Credit Line:

• Download our app and complete the registration process in just a few simple steps.
• Select the desired term and limit for your credit line (initial limit is up to UAH 4,000).
• Verify your identity using the BankID System and confirm your bank card details.
• Receive the funds and start using them immediately.

Why Choose Smartiway for Your Credit Line:

• Flexible Credit Line Limit: Our credit lines offer limits ranging from UAH 100 to UAH 30,000, providing you with financial flexibility.
• Instant Access: Applying for a credit line and receiving funds takes just 1 minute - it's that quick and convenient.
• 24/7 Availability: Our app is available for use at any time, ensuring accessibility whenever you need it.
• Automated Process: No phone calls, employee communication, or justifications required - everything is handled automatically during the credit line application process.
• Cashback and Bonuses: Earn bonuses through our loyalty program to offset interest charges. Get UAH 100 upon registration and identification through BankID, and earn up to UAH 1,000 through our "Invite Friends" program.
• Flexible Terms: Credit line periods range up to 180 days, with the option to extend the terms. Early closure is also permitted under Ukrainian legislation.
• Prolongation Options: If needed, you can easily extend your credit line by simply paying the accrued interest.
• Credit Line Limit Increase: Top-up options are available to increase your credit line limit.
• Safety Measures: Smartiway prioritizes client safety, ensuring that all data is protected according to the global PCI DSS security standard, developed in collaboration with VISA and MasterCard.
• Convenient Repayment: Repay your debt directly within the app or through your internet banking, bank cash desk, or self-service terminal.
• Minimal Restrictions: The only requirement for opening a credit line is that you must be at least 18 years old.
• Interest Rates: Our average annual interest rate is 183%, and the maximum rate can be up to 435%, including late fees and penalties. For example:

• If you receive an initial UAH 10,000 tranche, repayable over 180 days with monthly installments of UAH 1,684.21, the total cost of the credit line will be UAH 10,105.26 (including interest of UAH 105.26 and an APR of 3.65%).
• If you receive a subsequent UAH 10,000 tranche, repayable over 180 days with monthly installments of UAH 3,174.69, the total cost of the credit line will be UAH 19,174.13 (including interest of UAH 9,174.13 and an APR of 273.75%).

Smartiway Features:

1. Conveniently open a credit line right from your smartphone.
2. Easily transfer funds from one card to another.*
3. Quickly replenish your mobile number.

Please note that the above information is not an offer to enter into a credit line agreement, but rather a description of the Smartiway Mobile Application and its features on the Google Play platform. We are continuously striving to improve and enhance our service, so we welcome any ideas or suggestions you may have. Get in touch with us at [email protected]. Your feedback on Google Play is highly appreciated.

Organization Address:

Ukraine, 03066, Kyiv,
Okhtyrsky Lane., 7