Loans
Loans in Ukraine
Compare terms of banks and microfinance organizations
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
- Cash loan for any needs - You are not oblig'ed to state the purpose of the loan.
- Loan amount up to 1 mln UAH
- Fast application in the app in a couple of clicks
- Decision speed
- Funds credited within a few minutes after application approval.
- Funds are credited to the Red Cash card
- Early loan repayment without penalties and fees
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
Credit for the purchase of goods (works, services) to satisfy the Borrower's personal needs, not relat'ed to entrepreneurial or independent professional activity or to the fulfilment of employm'ent duties
- Cash loan for any purpose
- Simple procedure for obtaining a loan without collateral or guarantors
- Early loan repayment without penalties and fees
- Fixed payment amount throughout the loan term with no monthly fees
- No upfront costs when arranging a loan
- The loan amount is credited to the payment card free of charge
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
Premium clients of Raiffeisen Bank can obtain the “Cash loan for any purpose” with increased limits and reduced interest rates. The cash loan is available to clients who receive their salary on a Raiffeisen Bank card.
- Cash loan for any purpose
- Simple procedure for obtaining a loan without collateral or guarantors
- Early loan repayment without penalties and fees
- Fixed payment amount throughout the loan term with no monthly fees
- No upfront costs when arranging a loan
- The loan amount is credited to the payment card free of charge
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
No extra costs for life insurance and notarisation of pledge agreements
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
A cash loan that you arrange yourself through the app within your personal limit. Funds are credited to the card immediately after the application is approved.
- Complete in minutes, entirely in the app
- Single monthly fee — no hidden charges
- Withdrawals up to 200 000 UAH without fee from the «Tsilova» card
- ✓ To card
- ✓ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
Best credit offer for new clients
- Transparent lending terms - no hidden fees and a fixed interest rate
- Low annual interest rate even for a long term
- Ability to choose the optimal date of monthly payment
- A quick preliminary decision on loan processing can be obtained within 1 minutes
- ✕ To card
- ✓ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
Cash loan for any purpose without proof of income.
- Cash loan for any purpose without proof of income.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Online loan for individuals 24/7, from 3 000 to 150 000 UAH. Loan term 16/24 weeks or 113/169 days. Payment: every two weeks.
- 100% online loan process to card
- Loan amount from 3 000 UAH to 150 000 UAH
- Low interest rate: from 1% per day
- Submitting an application and receiving funds 24\/7, without weekends and holidays
- Convenient repayment: payments via website/personal account, bank transfers, self-service terminals
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
- Favourable terms. Quick decision. No additional fees or insurance charges.
- No collateral or guarantors.
- No fee for early repayment. Simplified online application procedure using Diia.
- Receiving funds to the Vilna digital card.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Quick cash loans to your card!
- Access to funds – 24/7 24/7
- Application simplicity – minimum fields. Help with filling out the form. If you have any questions — Kredit Kasa is ready to answer them promptly.
- Decision speed – a few minutes. The decision is made by an automated system. On the first application the process takes 3 minutes. On repeat applications the loan is issued even faster.
- Money transfer within a few minutes after the application is approved.
- High average level of the agreed amount. Loan size from 1000 to 100 000 UAH. Regular clients who adhere to oblig'ations can expect significant financial support.
- Frequent gifts to customers. Participation conditions in promotions are very simple: just take a loan or repay it on time. For more about current offers you can read the Promotions section or the Kredit Kasa page on Facebook.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Quick cash loans to your card!
- Access to funds – 24/7 24/7
- Application simplicity – minimum fields. Help with filling out the form. If you have any questions — Kredit Kasa is ready to answer them promptly.
- Decision speed – a few minutes. The decision is made by an automated system. On the first application the process takes 3 minutes. On repeat applications the loan is issued even faster.
- Money transfer within a few minutes after the application is approved.
- High average level of the agreed amount. Loan size from 1000 to 100 000 UAH. Regular clients who adhere to oblig'ations can expect significant financial support.
- Frequent gifts to customers. Participation conditions in promotions are very simple: just take a loan or repay it on time. For more about current offers you can read the Promotions section or the Kredit Kasa page on Facebook.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Credit for the purchase of goods (works, services) to satisfy the Borrower's personal needs, not relat'ed to entrepreneurial or independent professional activity or to the fulfilment of employm'ent duties
- Cash loan for any purpose
- Simple procedure for obtaining a loan without collateral or guarantors
- Early loan repayment without penalties and fees
- Fixed payment amount throughout the loan term with no monthly fees
- No upfront costs when arranging a loan
- The loan amount is credited to the payment card free of charge
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Convert a purchase on the card into instalments and get the money back onto the card.
- Make purchases: pay for purchases from 500 UAH with a GlobusPlus or GlobusPlus Light card
- Go to the app: open the 'Loans' menu — 'Installment expenses' or select a purchase from 500 UAH that you want to convert to installments in the card transaction history
- Confirm installment arrangement: choose the number of payments and confirm the setup
- Expect funds to be credited: funds will be credited to the card from which the operation was made
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✕ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
- Convenient mobile app
- Cashback and prizes – receive rewards for using the service and participate in raffles
- Only reliable and verified partners
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✕ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
Best assistant in selecting online loans for any needs
- Online service that operates 24/7
- Modern, intuitive interface
- Fast registration process
- A wide selection of loan offers from trusted partners
- Loan amount up to 100 000 UAH, interest rate from 0,01%
- High approval rate
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
- Speed of receiving money (up to 10 minutes), no property collateral, and a minimum of documents required.
- Regular customers receive additional discounts. Well-established algorithmic resolution of customer issues.
- Customer-oriented support service.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
A non-renewable credit line for regular clients with an origination fee of 15%. Amount 1 000–50 000 UAH, term 345–365 days.
- Approvals 9 out of 10 applications
- Decision in 5 minutes
- No hidden fees
- Reduced rates for repeat customers
- Data protection (PCI DSS)
- Issuance 24/7
- ✓ To card
- ✓ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Online loan to card is available to the company's regular customers who have already signed a loan agreement at a branch. When taking «Hroshi u rozstrochku» clients receive:
- amount more - up to 50 000 UAH
- longer - up to 213 days
- cheaper - from 0,01% per day.
A loan can be applied for on the website in the client's online account.
- Large branch network
- Fast cash disbursement
- Minimal documents package
- Early repayment without additional interest
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Plus 365 — a credit product that provides for obtaining a loan for a period of up to 365 days with regular payments every 3-30 days (the client chooses). The maximum amount for the first loan — up to 30 000 UAH, for a repeat loan — up to 50 000 UAH
- Reduced interest rate 0,01% per day for new clients for a period from 3 to 30 days (after that the standard rate 1% applies)
- Only passport data, TIN, bank card number and phone are requested
- Loans are processed online 24\/7. 100% of applications are reviewed, including applications from clients with problematic credit histories
- Money is transferred to a bank card immediately after signing the electronic loan agreement
- Discounts of up to -99% are given to regular customers on future loans according to the loyalty programme
- ✓ To card
- ✕ Cash
- ✓ Bank ID
- ✓ Quick decision
- ✓ Видача 24/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
A favourable short-term loan with a simple and fast application and receipt procedure
- 1. The first online loan can be issued for an amount up to 30 000 UAH with an interest rate of 0,01% per day during the initial period. Fee for granting the loan: none for loans from 500 UAH; 50 UAH for loans in the amount of 500 UAH (10% of the loan amount).
- 2. Your convenience is a priority! The company approves loans online 24\/7, without calls or third-party confirmations.
- 3. To arrange the loan you only need your passport details, TIN, bank card number and contact phone. The company takes care of everything else.
- 4. Instant crediting of money to your card after signing the loan agreement online.
- 5. The company regularly gives gifts and offers discounts up to -99% to regular clients as a token of appreciation for your trust and choice.
- 6. Interest rate on a repeat loan from 0,0095% to 0,95% (depending on the loyalty programme and the consumer's performance). Fee for issuing the loan: from 0 to 10% of the loan amount
The company believes that everyone deserves the opportunity to receive financial support, so it is always ready to help.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
Moneyveo – instant online loan
- First loan at 0,01% per day
- Transparent terms
- Speed of application review without operator calls
- Processing without requesting third-party contacts
- Instant funds credited to your card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
Moneyveo – instant online loan
- First loan at 0,01% per day
- Transparent terms
- Speed of application review without operator calls
- Processing without requesting third-party contacts
- Instant funds credited to your card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Repeat online loan to a card from 500 to 50 000 UAH for a term of 345-365 days. Standard rate 1% per day; for loyalty programme members it may be reduced to 0,05% per day for the first payment period.
- Instant receipt of funds to card
- Early repayment without fees at any time
- Service operates 24/7 24/7
- Minimum documents (passport and TIN)
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
- Virtual card and credit limit (with a credit limit significantly higher than competitors)
- Free withdrawal of loan funds at any contactless ATM in Ukraine (transaction amount and count unlimited)
- Free transfer of loan funds from Pluscard to any card of another bank (operation is instant via the app)
- Maximum credit limit immediately upon card issuance (up to 50 000 UAH with corresponding income)
- A convenient app for issuing and managing a payment card and a credit limit (no need to contact the call centre)
- The term of use of the credit limit is unlimited with timely servicing (credit line term 5 years with possibility of extension)
- You can use the limit for any consumer needs
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
Moneyveo – instant online loan
- Loan up to 6 months with monthly payments
- Transparent terms
- Speed of application review without operator calls
- Processing without requesting third-party contacts
- Instant funds credited to your card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✓ Grace period
Moneyveo – instant online loan
- Loan up to 6 months with monthly payments
- Transparent terms
- Speed of application review without operator calls
- Processing without requesting third-party contacts
- Instant funds credited to your card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
- Speed of receiving money (up to 10 minutes), no property collateral, and a minimum of documents required.
- Regular customers receive additional discounts. Well-established algorithmic resolution of customer issues.
- Customer-oriented support service.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
- Approval rate — 95%
- Personal promo codes for discounts
- Passport and tax code only
- Increase credit limit
- Automatic application processing
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Plus 365 — a credit product that provides for obtaining a loan for a period of up to 365 days with regular payments every 3-30 days (the client chooses). The maximum amount for the first loan — up to 30 000 UAH, for a repeat loan — up to 50 000 UAH
- Reduced interest rate 0,01% per day for new clients for a period from 3 to 30 days (after that the standard rate 1% applies)
- Only passport data, TIN, bank card number and phone are requested
- Loans are processed online 24\/7. 100% of applications are reviewed, including applications from clients with problematic credit histories
- Money is transferred to a bank card immediately after signing the electronic loan agreement
- Discounts of up to -99% are given to regular customers on future loans according to the loyalty programme
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Online credit is the best way to get money in an unforeseen situation. Order a loan online on the website and in 15 minutes the money will be on your card. Miloan is a fast internet loan for any purpose, without income certificates and without taking credit history into account.
- Loan in 15 minutes
- Favourable renewal
- Fast processing
- Convenient repayment
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
First online credit to a card from 400 to 30 000 UAH for a period of 345-365 days. Standard rate 1% per day; under the loyalty programme it can be reduced to 0,01% per day for the first payment period.
- Instant receipt of funds to card
- Early repayment without fees at any time
- Service operates 24/7 24/7
- Minimum documents (passport and TIN)
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
The company specialises in providing short-term loans to Ukrainian citizens fully online, without income certificates and with a minimal set of documents.
- Service operates 24/7 24\/7;
- Protection from fraudsters: verification is carried out through the secure BankID NBU system, which prevents taking out a loan using someone else's documents;
- Convenient mobile app;
- Openness and loyalty
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
The 'Optimal' loan is a Limon product that provides funds on credit under the following conditions:
withholding a commission of 5% of the loan amount, payable as a single payment at the end of the discount period;
payment of accrued interest for using the loan.
Maximum available net amount to the card for the product – 27 000 UAH. The loan term is up to 5 years. Both existing and new customers can apply for the loan.
- First loan with an interest rate of 0,09% per day
- Online loan from 0,5% at the Discount interest rate
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
The 'Optimal' loan is a Limon product that provides funds on credit under the following conditions:
withholding a commission of 5% of the loan amount, payable as a single payment at the end of the discount period;
payment of accrued interest for using the loan.
Maximum available net amount to the card for the product – 27 000 UAH. The loan term is up to 5 years. Both existing and new customers can apply for the loan.
- First loan with an interest rate of 0,09% per day
- Online loan from 0,5% at the Discount interest rate
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Up to 1 years, up to 25000 UAH, in 15 minutes to a card of any bank in Ukraine
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
The loan is provided online — quickly and without unnecessary documents. You only need to fill in the application, complete identification and wait for a decision. After approval the money is credited to the bank card. Repayment occurs according to the established schedule, with the option of early repayment.
- Fast online processing — no branch visits
- Minimum documents — only basic information
- Credited to card — immediately after approval
- Fast decision — no long waiting
- Flexible repayment — option to repay the loan early
- Data security — secure transmission of information
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Need funds? A cash loan is a quick and convenient way to get money for any of your needs. Simple loan application procedure, fast decision, early repayment of the loan without penalty fees.
- Fast application in the app in a couple of clicks
- Commission payment only for the actual period of use
- Money in a few minutes to your GlobusPlus Light card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
Ariba - a fast online loan to a bank card without collateral or guarantors. The process is fully automated and takes up to 5 minutes. Lending is available to Ukrainian citizens aged from 18 to 70 years via BankID verification. Funds are disbursed 24/7 across the territory of Ukraine.
Promotion: rate 0,01% on the first payment when using a promo code.
- Promotion: rate 0,01% on the first payment when using a promo code;
- Fast online loan to a bank card without collateral or guarantors;
- The process is fully automated and takes up to 5 minutes;
- Disbursement of funds takes place around the clock across Ukraine;
- BankID verification.
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
An online loan from Starfin is a transparent and flexible financial product designed for quickly addressing any consumer needs.
For new customers, with a promo code a special promotional offer applies - the first payment at 0,01%.
- Processing speed (only 5 minutes): Fully automated process
- Promotional rate for new clients: The possibility to get the first loan at 0,01% per day on the first payment with a promo code
- Authorization via BankID
- Convenient long-term period
- Operating in mode 24\/7
- High approval rate
- Transparency and security
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
Ukrainian online lending service. The LehkoCredit service is intuitively simple and clear. Speed of processing and receiving funds. We provide funds in 5–15 minutes.
- Loan transparency
- All information is displayed in the personal account
- Messages are sent by an automated system for your convenience
- Ability to receive funds 24\/7
- High level of client data protection
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
The 'Sunny' (Suncredit) loan is an online loan to a card for 120 days. Repayment is on an annuity schedule with payments every 15-30 days. The standard rate is 0,9% per day; early repayment is possible.
- Long-term: Loan for 120 days with installment payments (every 15–30 days)
- Speed: Automatic decision and crediting to the card within 5 minutes
- Security: Limitless verification via BankID
- Promotion: First payment from 0,01% per day with promo code
- Transparency: Reliable NBU license, no hidden insurance or calls to relatives
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✓ No refusal
- ✕ Grace period
The loan is provided online — quickly and without unnecessary documents. You only need to fill in the application, complete identification and wait for a decision. After approval the money is credited to the bank card. Repayment occurs according to the established schedule, with the option of early repayment.
- Fast online processing — no branch visits
- Minimum documents — only basic information
- Credited to card — immediately after approval
- Fast decision — no long waiting
- Flexible repayment — option to repay the loan early
- Data security — secure transmission of information
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
This is a quick online loan to a card that you apply for over the internet without visiting an office or bank branch. The money is credited directly to your bank card after the application is automatically approved.
- Loan issued online, without visiting branches
- Minimum documents - no employment certificates or guarantor searches required. Only passport and TIN are sufficient
- Get a loan online to a card 24\/7 24/7 with no days off
- Decision made automatically within minutes thanks to a scoring system
- Funds that arrive instantly on your bank card
- ✓ To card
- ✕ Cash
- ✕ Bank ID
- ✓ Quick decision
- ✕ Issuance 24\/7
- ✓ Refinancing
- ✕ No calls
- ✕ No refusal
- ✕ Grace period
This is a quick online loan to a card that you apply for over the internet without visiting an office or bank branch. The money is credited directly to your bank card after the application is automatically approved.
- Loan issued online, without visiting branches
- Minimum documents - no employment certificates or guarantor searches required. Only passport and TIN are sufficient
- Get a loan online to a card 24\/7 24/7 with no days off
- Decision made automatically within minutes thanks to a scoring system
- Funds that arrive instantly on your bank card
The information is for reference only and is not financial advice. "Get a loan" buttons may lead to partner links. Check terms on the lender's website.
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Who issues loans in Ukraine
In Ukraine loans are provided primarily by banks and microfinance organisations. Banks operate under the supervision of the National Bank of Ukraine and have a wider range of products and stricter requirements for borrowers.
Microfinance organisations are usually focused on quick processing and small amounts. Before applying for a loan, carefully check the presence of a licence or registration in the state registers and the NBU register.
Banks and microfinance organisations
Banks and MFIs differ not only in the range of products but also in their approach to risk assessment. Banks more often analyse a borrower's solvency in detail and may require income statements or other documentation.
Microfinance organisations implement simplified procedures and fast decisions. If you need an urgent loan, for example a cash loan, an MFI can arrange it faster, but that does not mean the terms will be more favourable.
Rates, amounts and terms
Typically banks offer longer terms and higher maximum loan amounts, whereas MFIs specialise in short terms and small amounts. Rates at both types of lenders depend on risk, term and repayment conditions.
When choosing a product, pay attention to the total cost of the loan and not only the advertised nominal rate. The total cost includes all additional fees and possible insurance which affect the real price of the credit.
Documents and borrower requirements
Borrower requirements differ depending on the type of lender. Banks usually require a Ukrainian passport and an identification code, as well as documents confirming income for substantial loan amounts.
Microfinance organisations often require only a passport and an identification code, or even just a passport with address details. However, if necessary the lender may request additional proof depending on its internal policy.
What is needed at the bank and at the MFO
The bank's list of documents may include a passport, tax identification number, proof of income, copies of the employment record book or an employment contract depending on the amount and product. The bank may also request additional guarantees or collateral for large loans.
Microfinance organisations usually require a passport and an identification code, sometimes a simplified proof of income. Below is a typical list of documents which may vary depending on the institution.
At the bank: passport, identification code, proof of income, possible additional collateral documents.
For an MFO: passport, tax identification code, sometimes proof of income or simplified employment confirmation.
Nominal rate and annual percentage rate
The nominal rate shows the interest charged on the principal amount of the loan and is usually stated in advertising materials. The annual percentage rate (APR) takes into account all additional costs associated with the loan such as one-off fees, operational charges and insurance.
The APR informs about the actual cost of the loan for the borrower and should always be compared when choosing offers. If advertising shows only the nominal rate, check what the final amount to be repaid will be taking into account all payments.
I give a hypothetical example to show the calculation principle. This example uses round illustrative numbers and is not an offer.
Suppose a loan of 12000 UAH for one year, a nominal rate of, say, 12 percent per annum, a one‑off commission of 300 UAH and insurance of 300 UAH. Total interest for the year will be 1440 UAH and additional costs 600 UAH, total overpayment 2040 UAH, which gives a conditional effective annual rate of about 17 percent per annum in this example.
Debt burden and calculation example
A general rule on debt burden states that total monthly payments should not exceed one third of your net income. This rule helps maintain financial resilience and avoid payment delays.
Here's an illustrative example provided for clarity and it is given only as an illustration. If your net monthly income is 15000 UAH then one third of income will be 5000 UAH. This means that all your current loan payments together should not exceed this amount.
If you are considering a cash loan and plan to take another loan, check whether the monthly payment will exceed this threshold. This will reduce the risk of arrears and preserve a healthy credit history.
Consequences of overdue payments and license verification
Payment default affects your credit history which is stored in the credit bureau. Even minor delays can make obtaining future loans more difficult and affect the terms you will be offered in the future.
Besides deterioration of your credit history, fines and penalties may be charged and the creditor has the right to pass the case to collectors or go to court to recover the debt. Therefore, in case of delay it is worth contacting the creditor promptly to agree on restructuring or other resolution options.
Before signing a contract always check the institution's status in the NBU register; this ensures the lender operates within the law. Checking the licence and contract terms reduces risks and helps make an informed choice.
Remember that you should not take any loan under advertising pressure or on terms you cannot fulfil. A balanced approach and careful reading of the contract will protect your interests.


