No-Document Loans
Loan without proof of income
Offers where decisions are made by scoring rather than by documentation
- ✓ 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
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
- 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
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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Кредит без довідки про доходи що це і як працюєКредит без довідки про доходи означає що позичальник не надає традиційну довідку про зарплату або інші підтвердження доходу. Натомість кредитор оцінює платоспроможність за іншими ознаками щоб ухвалити рішення про видачу позики.Такий формат підходить людям з нестандартними доходами або фрілансерам але важливо розуміти що відсутність довідки не робить позику безризиковою для кредитора. Компенсація ризику відбивається в умовах позики і клієнт повинен знати на що звертати увагу.Чому такі позики дорожчіОднією з головних причин більшої вартості є підвищений ризик невиплати. Кредитор бере на себе невизначеність коли не має формальних підтверджень регулярного доходу тому він закладає цей ризик у ціну позики.Це означає що ставка може бути вищою або можуть зявитися додаткові комісії які збільшують загальні витрати позики. Завжди читайте договір щоб зрозуміти всі складові вартості і не орієнтуйтеся лише на одне число в рекламному оголошенні.Ризик і ставкаКредитор оцінює ймовірність прострочення і невиплати це впливає на розмір ставки. Вища ймовірність проблем з погашенням призводить до збільшення прибутковості кредитора через ставку і збори.Не забувайте що заявки з високим ризиком можуть супроводжуватися жорсткішими умовами дострокового погашення або додатковими зобовязаннями для позичальника. Це стандартна практика управління ризиками в кредитуванні.Що саме перевіряє скорингСкоринг замінює довідку про доходи і базується на різних джерелах даних. Сюди входить кредитна історія платника яка показує попередню поведінку із боргами і вчасністю платежів.Крім кредитної історії скоринг аналізує поведінку користувача в застосунку і інформацію з відкритих реєстрів. Це допомагає оцінити стабільність фінансової поведінки без формальних документів.Дані замість довідкиТипові елементи скорингу включають історію виплат у бюро кредитних історій відомості з накладних реєстрів і сигнали з мобільних додатків про регулярність платежів. Усе це дає змогу сформувати образ позичальника.кредитна історія і запити до неїповедінка в застосунку і верифікаційні даніінформація з відкритих реєстрів і публічних джерелЦі елементи разом дають більш широку картину ніж лише довідка про доходи але не гарантують відсутності помилок в оцінці. Тому важливо розуміти що скоринг має обмеження і не замінює фінансової дисципліни позичальника.Номінальна ставка та реальна річна ставка з урахуванням комісійНомінальна ставка зазвичай вказується рекламно і показує відсоток застосований до суми позики. Проте реальні витрати включають комісії страхування і інші платежі тому річна вартість позики може бути вищою.Різниця між номінальною ставкою та реальною річною ставкою полягає в тому що друга враховує всі додаткові збори які впливають на загальні витрати позики. Тому порівнювати пропозиції слід саме за реальними витратами.Приклад умовний і служить для ілюстрації. Якщо позика 10000 умовних одиниць і номінальна ставка приводить до платіжів 1200 умовних одиниць за рік а одноразова комісія складає 1000 умовних одиниць то реальна річна витрата буде вищою ніж простий розрахунок по номіналу. Це лише приклад і не відображає реальних умов конкретних пропозицій.Наслідки прострочення платежівПрострочення призводить до нарахування штрафів і пені це може значно збільшити суму боргу. Окрім фінансових втрат погіршується кредитна історія що ускладнює доступ до майбутніх позик.У разі тривалого незакриття заборгованості кредитор може передати борг колекторам або звернутися до суду це загрожує додатковими витратами і репутаційними наслідками. Тому важливо планувати погашення заздалегідь і звертатися до кредитора якщо виникають труднощі.Як перевірити кредитора і уникнути маркетингових пастокПеред оформленням позики треба перевіряти ліцензію кредитора в реєстрі НБУ. Це дає впевненість що організація працює в правовому полі і підлягає нагляду регулятора.Будьте обережні з обіцянками схвалення всім без винятку це часто маркетинговий прийом. Завжди аналізуйте договір уточнюйте всі збори і не погоджуйтеся на умови які здаються непрозорими.На завершення памятаєте що кредит без довідки про доходи може бути зручним інструментом але вимагає уважної перевірки умов і розуміння наслідків. Приймайте рішення зважено і на основі повної інформації.


