Credos
Сredos - це українська мікрокредитна компанія, яка пропонує позичальникам позики до 55000 гривень.
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Our review
Редакція BankSorter · Updated: 3 September 2026
Credos - offer overview
Credos (Ukr Credit Finance) offers two products: MiniCredos for smaller amounts and MaxiCredos for larger ones.
Amount and term
MiniCredos: 1,000 to 55,000 UAH, 365-day term. MaxiCredos: 7,000 to 100,000 UAH, term of 300 days (14-day payment cycle) or 365 days (monthly payment).
Rate
Daily rate: 1% (first 180 days for MiniCredos), then 0.74%; for MaxiCredos - 1% (standard) or 0.9% (discounted). Real annual rate: 3,217% to 6,721% (MiniCredos, new customers) and 3,879% to 6,108% (MaxiCredos). Origination fee: 15% (new MiniCredos customers), 5% (repeat), 20% (MaxiCredos).
Requirements
Age 18 to 75. There's a right to cancel the agreement within 14 days without explanation.
Summary
Credos offers fast processing (decision within 8 minutes, funds within 1-2 minutes) and penalty-free early repayment, but with a very high real annual rate under standard terms.
✓ Pros
- ✓ Fast decision - within 8 minutes
- ✓ Penalty-free early repayment
- ✓ 14-day right to cancel the agreement
- ✓ Wide amount range - up to 100,000 UAH (MaxiCredos)
✕ Cons
- ✕ Very high real annual rate - up to 6,721%
- ✕ Origination fee up to 20% (MaxiCredos)
- ✕ Complex product structure with two separate product lines