Loans

Loans in Ukraine

Compare terms of banks and microfinance organizations

45 Offers matched
Cash loan — Sense Bankcom.ua
from 0,01% per annumrate
up to 1 500 000 UAHAmount, UAH
43,41—66,58 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Cash loan — Raiffeisen Bank
from 31,9% per annumrate
up to 750 000 UAHAmount, UAH
36,98—52,35 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan aval.ua
in 1 h
Cash loan for premium clients — Raiffeisen Bank
from 31,9% per annumrate
up to 750 000 UAHAmount, UAH
36,98—38,77 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Overdraft FlexFund — ProCredit Bank
from 29% per annumrate
up to 500 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Promotion
Money to card — Acordbank
from 0% per annumrate
up to 500 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan alb.ua
in 5 min
Start — Idea Bank
from 65% per annumrate
up to 500 000 UAHAmount, UAH
87,24—89,33 %real annual rate
  • ✓ To card
  • ✓ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan ideabank.ua
in 1 min
Money for everything — Acordbank
from 0% per annumrate
up to 300 000 UAHAmount, UAH
  • ✕ To card
  • ✓ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan alb.ua
in 5 min
Financial loan — Tvoya Pozika
from 0,01 % per dayrate
23—169 daysTerm
up to 150 000 UAHAmount, UAH
1 733,86—9 726,31 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan tpozyka.com
in 15 min
Free credit — Credit Dnipro Bank
from 65% per annumrate
up to 150 000 UAHAmount, UAH
88,76—89,62 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Promotion
First online loan — CreditKasa
from 0,01 % per dayrate
1—365 daysTerm
up to 100 000 UAHAmount, UAH
179,65—6 721,30 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Promotion
Online loan — CreditKasa
from 1 % per dayrate
1—365 daysTerm
up to 100 000 UAHAmount, UAH
179,65—6 721,30 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Cash loan for pensioners — Raiffeisen Bank
from 39,9% per annumrate
up to 100 000 UAHAmount, UAH
48,04—68,95 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Spend in installments — Bank Globus
from 0% per annumrate
up to 100 000 UAHAmount, UAH
71,30—82,00 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan globusplus.ua
in 15 min
Loan in the Multi app from Finance.ua — Multi from Finance.ua
from 0,12 % per dayrate
up to 100 000 UAHAmount, UAH
59,24—4 479,53 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✕ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
in 10 min
Online loan — BestCredit
from 0,01 % per dayrate
2—1095 daysTerm
up to 100 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✕ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Promotion
SlonCredit — SlonCredit
from 3 % per dayrate
345—360 daysTerm
up to 60 000 UAHAmount, UAH
2 636,40—4 049,26 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan sloncredit.ua
in 10 min
Promotion
Online loan — MyCredit
from 0,95 % per dayrate
345—365 daysTerm
up to 50 000 UAHAmount, UAH
20,21—3 435,87 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan mycredit.ua
in 5 min
Promotion
Money in installments — ShvydkoHroshi
from 0,01 % per dayrate
63—217 daysTerm
up to 50 000 UAHAmount, UAH
1 973,00—11 016,79 %real annual rate
  • ✓ To card
  • ✓ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan sgroshi.com.ua
in 14 min
Promotion
Online loan for regular customers — CreditPlus
from 1 % per dayrate
345—365 daysTerm
up to 50 000 UAHAmount, UAH
1 244,45—3 546,38 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Promotion
0,01% on the first loan — Credit7
from 0,95 % per dayrate
360—365 daysTerm
up to 50 000 UAHAmount, UAH
1 132,58—3 845,25 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✓ Bank ID
  • ✓ Quick decision
  • ✓ Видача 24/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan credit7.ua
in 3 min
Promotion
Online Loan for new clients — Moneyveo
from 0,01 % per dayrate
1—1825 daysTerm
up to 50 000 UAHAmount, UAH
763,71—2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan moneyveo.ua
in 2 min
Promotion
Online loan for regular clients — Moneyveo
from 0,98 % per dayrate
1—1825 daysTerm
up to 50 000 UAHAmount, UAH
763,71—2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan moneyveo.ua
in 2 min
Promotion
Online loan — SelfieCredit
from 0,05 % per dayrate
345—365 daysTerm
up to 50 000 UAHAmount, UAH
1 244,55—3 422,24 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Virtual card with a credit limit — pluscard
from 0,5 % per dayrate
1—1825 daysTerm
up to 50 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Promotion
Trend promo — Moneyveo
from 0,33 % per dayrate
60—180 daysTerm
up to 40 000 UAHAmount, UAH
763,71—2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan moneyveo.ua
in 2 min
Promotion
Trend standard — Moneyveo
from 0,33 % per dayrate
60—180 daysTerm
up to 40 000 UAHAmount, UAH
763,71—2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✓ Grace period
Get a loan moneyveo.ua
in 2 min
Promotion
Online loan — SlonCredit
from 0,01 % per dayrate
1—360 daysTerm
up to 32 000 UAHAmount, UAH
2 636,40—4 049,26 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan sloncredit.ua
in 10 min
Promotion
Tengo — Tengo
from 0,97 % per dayrate
360 daysTerm
up to 30 000 UAHAmount, UAH
1 411,91—2 920,43 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan tengo.ua
in 5 min
Promotion
Online Loan for new customers — CreditPlus
from 0,01 % per dayrate
345—365 daysTerm
up to 30 000 UAHAmount, UAH
1 244,45—3 546,38 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Starter — Ye Groshi
from 0,1 % per dayrate
2—180 daysTerm
up to 30 000 UAHAmount, UAH
47,43—107,36 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan e-groshi.com
in 5 min
Online loan — Miloan
from 0,97 % per dayrate
337—360 daysTerm
up to 30 000 UAHAmount, UAH
1 411,91—2 920,43 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan miloan.ua
in 15 min
Promotion
First online loan — SelfieCredit
from 0,01 % per dayrate
345—365 daysTerm
up to 30 000 UAHAmount, UAH
1 244,55—3 422,24 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Promotion
First credit — ClickCredit
from 0,95 % per dayrate
345—365 daysTerm
up to 30 000 UAHAmount, UAH
3,72—5 916,41 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan clickcredit.ua
in 15 min
Promotion
First Credit Optimal — Limon Credit
from 0,09 % per dayrate
1825 daysTerm
up to 27 000 UAHAmount, UAH
1 597,37—2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Promotion
Repeat Optimal Loan — Limon Credit
from 1 % per dayrate
1825 daysTerm
up to 27 000 UAHAmount, UAH
2 221,34 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Loan — Amigo
from 0 % per dayrate
340—360 daysTerm
up to 25 000 UAHAmount, UAH
1 411,91—2 920,43 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan amigo.com.ua
in 15 min
Promotion
Repeat loan — Pango
from 0,97 % per dayrate
up to 25 000 UAHAmount, UAH
1 411,91—2 920,43 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan pango.ua
in 10 min
Cash loan — Globus Bank
from 0% per annumrate
up to 20 000 UAHAmount, UAH
116,78 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan globusplus.ua
in 15 min
Ariba — Ariba
from 0,01 % per dayrate
5—120 daysTerm
up to 20 000 UAHAmount, UAH
55,55—3 369,39 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan ariba.com.ua
in 5 min
Promotion
Starfin — Starfin
from 0,01 % per dayrate
120 daysTerm
up to 20 000 UAHAmount, UAH
2 572,74—3 369,39 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Credit line — LehkoCredit
from 0,94 % per dayrate
360 daysTerm
up to 20 000 UAHAmount, UAH
1 744,94—4 545,00 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan lehko.credit
in 5 min
Promotion
Suncredit — SunCredit
from 0,9 % per dayrate
120 daysTerm
up to 20 000 UAHAmount, UAH
2 572,74—3 369,39 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Promotion
First loan — Pango
from 0,97 % per dayrate
up to 15 000 UAHAmount, UAH
1 411,91—2 920,43 %real annual rate
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✓ No refusal
  • ✕ Grace period
Get a loan pango.ua
in 10 min
First loan — FunnyMoney
from 0,92 % per dayrate
1—364 daysTerm
up to 8 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
in 10 min
Repeat loan — FunnyMoney
from 0,92 % per dayrate
1—364 daysTerm
up to 8 000 UAHAmount, UAH
  • ✓ To card
  • ✕ Cash
  • ✕ Bank ID
  • ✓ Quick decision
  • ✕ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
in 10 min

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.