Online Loan Rankings
Microfinance organisations rating
Assessment based on transparency of terms, speed of decision and reader reviews
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.
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.
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.
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
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
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
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
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
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)
- 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
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
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
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
- Approval rate — 95%
- Personal promo codes for discounts
- Passport and tax code only
- Increase credit limit
- Automatic application processing
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
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
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.
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
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
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
- 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.
- Convenient mobile app
- Cashback and prizes – receive rewards for using the service and participate in raffles
- Only reliable and verified partners
- 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.
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
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
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)
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
Up to 1 years, up to 25000 UAH, in 15 minutes to a card of any bank in Ukraine
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
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
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
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
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
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.


