Ranking of payday loans in Ukraine — September 2026

✓ Pros

• ✓0.01% daily promotional rate for a first loan up to 1,000 UAH
• ✓Early repayment with no extra charge
• ✓No penalties or increased rates for late payment
• ✓Maximum amount up to 18,000 UAH
• ✓Fast decision — around 15 minutes

✕ Cons

• ✕Full real loan cost reaches 30,876% annually depending on terms
• ✕Origination fee of 30% of the loan amount withheld immediately upon disbursement
• ✕Proof of income and a credit-history check are required

✓ Pros

• ✓0.01% daily discounted rate for new customers with a timely first payment
• ✓Fully remote application with fast fund disbursement
• ✓Early repayment with no restrictions and no extra fee for it

✕ Cons

• ✕Real annual rate can reach tens of thousands of percent with short-term use
• ✕One-time 25% origination fee significantly raises the loan cost
• ✕40% daily late-payment penalty of the debt amount — a very high fine for a late payment

✓ Pros

• ✓0.01% daily discounted rate on first application with timely first payment
• ✓24/7 online application with no collateral or guarantors
• ✓Early repayment possible with no penalty for doing so

✕ Cons

• ✕Real annual rate can exceed 30,000% with short-term use
• ✕25% origination fee significantly raises the total loan cost
• ✕High late-payment penalty — 40% of the overdue amount per day

✓ Pros

• ✓Longer loan term — up to 36 months — unlike typical multi-day microloans
• ✓Early repayment with no hidden penalties, paying only for actual time used
• ✓Fast application decision — around 15 minutes

✕ Cons

• ✕The 361.35% real annual rate makes the loan expensive over a long horizon
• ✕Origination fee up to 18% further increases the total loan cost
• ✕Online amount limit is capped at 29,999 UAH — larger amounts require an offline application

✓ Pros

• ✓Maximum amount up to 40,000 UAH
• ✓Instant automatic decision with no office visit
• ✓No collateral or guarantors required

✕ Cons

• ✕Extremely wide and unpredictable real cost range (449%–101,451% annually)
• ✕Missing the base term triggers an extra period at a 1% daily rate for up to 400 days
• ✕Early-repayment terms aren't fully disclosed on the lender's site

✓ Pros

• ✓Longer usage term than typical microloans — 3 to 12 months
• ✓No fee for early repayment
• ✓Discounted 0.25% daily rate for customers who've used the loan before

✕ Cons

• ✕Real annual rate of 755.54% — a significant burden over the full term
• ✕An extra one-time origination fee increases the total cost
• ✕The site doesn't state clear age or credit-history-check requirements

✓ Pros

• ✓Maximum amount up to 60,000 UAH for repeat customers
• ✓Several repayment methods: online account, terminals, Privat24, bank branch
• ✓Flexible choice of payment frequency (5–30 days) for repeat borrowers

✕ Cons

• ✕Very high real annual cost — hundreds to thousands of percent depending on terms
• ✕No customer-initiated term extension available
• ✕Significant late-payment penalties

✓ Pros

• ✓Free early repayment at any time
• ✓Maximum amount up to 50,000 UAH for repeat customers
• ✓Flexible choice of payment period (5–30 days)
• ✓Fast processing — funds on the card immediately after signing

✕ Cons

• ✕Very high real annual cost — from 1,244.55% and up
• ✕Significant late-payment penalties (up to 15% of the amount on day 3)
• ✕Selfie verification won't suit every user

✓ Pros

• ✓Maximum amount up to 50,000 UAH for repeat customers
• ✓Partial early repayment via the personal account or app
• ✓Applicants with a negative credit history are considered
• ✓Fast decision — from about 5 minutes for repeat customers

✕ Cons

• ✕Very high real annual cost — from 1,244.55% and up
• ✕No customer-initiated term extension available
• ✕The discounted starting rate depends on loyalty-program conditions, making the final cost harder to calculate upfront

✓ Pros

• ✓Flexible repayment terms — 3 to 12 months
• ✓Early repayment with no fee
• ✓Interest accrues only on the remaining balance, not the full amount
• ✓Maximum amount up to 40,000 UAH — above average for the segment
• ✓No hidden fees or forced insurance

✕ Cons

• ✕Very high full loan cost — 1,346.27% annually
• ✕Age and credit-history requirements aren't disclosed on the site
• ✕The exact origination fee amount isn't stated

✓ Pros

• ✓Wide borrower age range — 18 to 90 years
• ✓Loan extension by 15 or 30 days with no penalty
• ✓Early repayment with no fees and several convenient payment methods

✕ Cons

• ✕Real annual rate can reach 1,639.15% under less favorable terms
• ✕Decisions are made by an automated scoring system with no clearly described criteria
• ✕Maximum loan amount is capped at 20,000 UAH even for repeat customers

✓ Pros

• ✓0.09% daily promotional rate for new customers
• ✓Early repayment available anytime, paying only for actual days used
• ✓Minimal borrower requirements — no proof of income or good credit history needed
• ✓Fast repeat application — about 2 minutes

✕ Cons

• ✕Full loan cost reaches 1,744.94% annually after the promotional period ends
• ✕The exact maximum amount for your specific term should be confirmed in the personal account

✓ Pros

• ✓Online application with no office visit
• ✓Suitable for a short-term urgent need

✕ Cons

• ✕One of the higher real annual rates among offers of this type on the site — 1,744.94%
• ✕Detailed terms (amount, term, penalties) should be confirmed directly on the lender's site before applying

✓ Pros

• ✓Flexible interest payment interval — 3 to 30 days, customer's choice
• ✓Long contract term — 730 days
• ✓14-day right to cancel the agreement
• ✓Fully online application

✕ Cons

• ✕Real annual rate reaches 3,142%
• ✕No special first-loan promotion
• ✕Minimum age and other details should be confirmed

✓ Pros

• ✓Flexible interest payment interval — 5 to 30 days, customer's choice
• ✓Long contract term — up to 730 days
• ✓Wide amount range — up to 40,000 UAH
• ✓14-day right to cancel the agreement

✕ Cons

• ✕Penalty for the first days of late payment reaches 16% of the amount
• ✕Real annual rate up to 3,142%
• ✕Complex two-product structure