Ocean.me 0.0.1

First BNPL service in Ukraine "Buy now, pay later", online loans up to 200,000 UAH.

• Installment purchases and credit money
• Products from Ukraine's largest stores
• Buy in four installments with no interest
• One-page contract
• No fines, even for overdue credit payments

Ocean's Values:

• Transparency. Clear payment schedule, calculated before purchase, no hidden fees after contract signing
• Simplicity. One-page contract without "fine print"
• Environmentally friendly. No plastic cards or paper contracts. Support ecological initiatives in the country
• Safety. Receive and inspect the goods first, then pay
• Convenience. Order multiple models, sizes, or colors for fitting and selection without freezing your funds
• No subscriptions. No first payment. Pay only if you decide to keep the goods
• No extra charges. Split the purchase into 4 interest-free and fee-free payments

Cash loan terms:

• Amount from 500 to 200,000 UAH
• Term from 6 to 36 months (with early repayment option at no extra cost)
• Interest 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%)

Example of payments for the credit product "Annuity Prime" with a term of 12 months, amount of 10,000 UAH:

• 12 monthly payments of 1,325.30 UAH each (Loan principal: 759.72 UAH + Interest: 166.58 UAH + Monthly fee: 399 UAH) + Issuance fee: 250 UAH
• Total amount due: 16,153.60 UAH
• Effective annual percentage rate (APR) of 101.14%

More information and calculation examples can be found on the website https://ocean.me/.