Ocean.me is a free Android app developed by Financial Company Ocean. It is a BNPL (Buy Now Pay Later) service that allows users to make purchases in installments or take out loans up to 200,000 UAH. The app offers a variety of products from the biggest stores in Ukraine, and users can buy them in four interest-free payments.

One of the main advantages of Ocean.me is the clear payment schedule provided before the purchase, with no hidden fees or penalties for late payments. The app also offers a one-page contract without any fine print, ensuring transparency and simplicity. With a focus on environmental awareness, Ocean.me eliminates the need for plastic cards and paper contracts.

In addition to BNPL services, Ocean.me also offers cash loans from 500 to 200,000 UAH with a repayment period of 6 to 36 months. The interest rate ranges from 0% to 39.99% per year, with a commission from 1.99% to 11.99% per month. Users can calculate their monthly payments and the total cost of the loan on the app's website.

Overall, Ocean.me is a convenient and accessible financial solution for those looking to make purchases in installments or take out a loan.