Online Loan Rankings

Microfinance organisations rating

Assessment based on transparency of terms, speed of decision and reader reviews

34 Offers matched
1 6,3 points
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
  • ✓ Issuance 24\/7
  • ✓ Refinancing
  • ✕ No calls
  • ✕ No refusal
  • ✕ Grace period
Get a loan credit7.ua
in 3 min
2 4,7 points
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
3 4,7 points
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
4 4,6 points
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
5 4,3 points
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
6 4,3 points
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
7 4,3 points
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
8 4,3 points
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
9 4,3 points
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
10 4,3 points
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
11 4,2 points
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
12 3,9 points
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
13 3,9 points
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
14 3,9 points
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
15 3,9 points
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
16 3,9 points
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
17 3,9 points
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
18 3,9 points
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
19 3,9 points
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
20 3,9 points
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
21 3,9 points
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
22 3,8 points
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
23 3,4 points
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
24 3,4 points
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
25 3,4 points
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
26 3,4 points
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
27 3,4 points
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
28 3,4 points
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
29 3,4 points
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
30 3,4 points
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
31 3,4 points
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
32 3,4 points
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
33 3,4 points
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
34 3,2 points
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

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.

How the rating is calculated

The score up to 10 consists of four groups of criteria: ease of receipt (card, cash, BankID login), 24/7 issuance and refinancing, speed of decision on the application and available credit limit. Reader reviews carry the greatest weight — they are considered when at least three ratings exist for the company.

The rating is not a recommendation and does not guarantee approval of the application. We do not receive remuneration for a company's position in the list. For comparison with another methodology see MFO rating on finance.ua.

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How to use the online loans rating
The online loans rating is created to help you orient yourself among the large number of offers on the market. It serves as a guide to key characteristics of loan products but cannot replace an individual check of terms for your specific situation.
A position in any ranking reflects aggregate indicators and does not guarantee approval of an application for a specific person. Each lender assesses risks by its own criteria, so it is important to look at the contract details, not just the position in the table.

Lender assessment criteria
When comparing offers, pay attention to several key factors at the same time. Different items may be individually important, so it's better to make a list of priorities and compare based on them.
Among important criteria, highlight the real annual rate (APR), the presence of a licence, transparency of penalties, repayment channels and the quality of the support service. These components together form the full picture of the risk and cost of a loan for the borrower.

Real annual rate
Nominal rate vs real
The nominal rate is the percentage advertised in the offer but it does not take into account additional payments and commissions. The effective annual rate includes all oblig’atory charges and shows how much the annual servicing of the loan costs on average, taking into account additional expenses.
To understand the difference you can use a hypothetical example. For instance, if the nominal rate looks attractive but a one‑off commission and monthly service fees are added, the effective annual rate may be significantly higher; this is just an example to emphasise the importance of checking all contract clauses.

License check and legal status
How to search in the NBU register
Before signing a contract check whether the lender has a licence and whether it is entered in the NBU register. The presence of a licence indicates that the institution is supervised by regulators and that its activities must comply with certain safety standards for borrowers.
The verification procedure is simple and includes searching for the institution's name or code in the NBU open registry. If the institution is not in the registry, it's a reason to think seriously before handing over personal data or agreeing to financial oblig’ations.

Transparency of fines and additional fees
Carefully read the section of the contract that describes penalties for late payment and the conditions for charging additional fees. Clear and understandable wording of penalties indicates the lender's transparency rather than hiding terms.
Consequences of delinquency may include accrual of additional interest, growth of the debt, reminder calls and the recording of negative information in the credit history. In severe cases, court claims or transfers of the debt to collectors are possible, so risks should be assessed in advance.

Repayment channels and convenience
Check which repayment methods the lender offers and whether they are available to you. The ability to pay via mobile banking, a terminal, payment services or a personal account can significantly simplify life and reduce the risk of accidental late payments.
Pay attention to the time payments are posted and to any fees for operations. Sometimes paying quickly through certain channels requires an additional fee, which changes the total cost of the loan, so compare not only the method but the full set of terms.

Support service operation
A quality support service responds to enquiries quickly and clearly explains contract terms. Before signing a contract you can ask a few clarifying questions and assess the speed of response and usefulness of answers even without submitting a personal application.
Rememb’er that friendly and professional support helps resolve disputes at an early stage and reduces the likelihood of misunderstandings. However, the support service's position does not change the fact that application approval depends on the lender's individual risk assessment.

Short tips for comparison
Make a table of the main parameters that matter to you and compare several offers at once. Include in the analysis the effective annual rate, the presence of a licence, clarity of penalties, availability of repayment channels and an assessment of customer support.
Remember that the online loans rating is a tool, not a verdict, so use it together with your own review of the terms. The final decision should be based on your personal financial situation and not on a place in an overall table.