Payday loans in Ukraine

✓ Pros

• ✓Longer maximum term — up to 12 months
• ✓Minimal 0.01% fee for timely first-loan repayment
• ✓Credit history isn't considered

✕ Cons

• ✕Very wide stated rate range — 4% to 916% annually, exact rate depends on individual terms
• ✕0.1% late payment fee on the debt amount
• ✕Minimum loan amount isn't clearly stated on the page

✓ Pros

• ✓Listed in the non-bank lending offer catalogue

✕ Cons

• ✕The affiliate link was inactive at the time of checking
• ✕Loan amount, term and real annual rate aren't confirmed
• ✕Verify the offer's current status separately

✓ Pros

• ✓Online application

✕ Cons

• ✕Specific loan amount and term aren't stated in the available public data
• ✕Real annual rate isn't confirmed
• ✕Detailed terms are only available after registering in the account portal

✓ Pros

• ✓Recognizable, long-established brand
• ✓Fully online application process
• ✓Fast application review

✕ Cons

• ✕Real annual rate isn't stated in the available data
• ✕Loan amount and term aren't confirmed
• ✕Check the lender's site for current terms before applying

✓ Pros

• ✓Flexible splitting into up to 12 installments
• ✓Active promo code system with discounts up to 60%
• ✓Wide amount range — up to 100,000 UAH
• ✓Cashback after loan repayment

✕ Cons

• ✕Standard real annual rate without a promo code isn't clearly stated
• ✕Loan cost heavily depends on having a current promo code
• ✕Promo codes have limited validity periods

✓ Pros

• ✓Wide amount range — up to 50,000 UAH for repeat customers
• ✓Extension up to 2.5 years available with no worsening of terms
• ✓Early repayment with no penalties
• ✓BankID or “Diia” verification — fast, convenient application
• ✓No proof of income required

✕ Cons

• ✕Real full loan cost can reach 53,711% annually
• ✕Social-benefit cards aren't accepted for receiving funds
• ✕A criminal record makes it impossible to get the loan

✓ Pros

• ✓Online application via a personal account portal

✕ Cons

• ✕Specific loan amount and term aren't stated in the available public data
• ✕Real annual rate isn't confirmed
• ✕Detailed terms are only available after registering in the account portal

✓ Pros

• ✓Listed among Ukraine's non-bank lenders

✕ Cons

• ✕The lender's page was inaccessible at the time of checking
• ✕Loan amount, term and real annual rate aren't confirmed
• ✕Verify the offer's current status separately

✓ Pros

• ✓Interest accrues only for grace-period days actually used
• ✓Application review in 1 minute
• ✓No scanned document copies required
• ✓No penalties for early repayment

✕ Cons

• ✕Extremely wide real annual rate range — up to 114,432% at full term
• ✕No calls to employer doesn't guarantee no other verification methods
• ✕Complex rate structure depending on repayment timing

✓ Pros

• ✓Online application with no need to visit an office

✕ Cons

• ✕Specific loan amount and term aren't stated in the available data
• ✕Real annual rate isn't confirmed
• ✕Check the lender's site for current terms before applying

✓ Pros

• ✓Very fast processing — 3-4 minutes, down to 1 minute for repeat customers
• ✓Relatively short 30-day maximum term for quick debt closure

✕ Cons

• ✕4% of debt amount penalty per day for late payments
• ✕Real annual rate reaches 3,546%
• ✕Maximum amount capped at 8,000 UAH

✓ Pros

• ✓Listed among Ukraine's non-bank lenders

✕ Cons

• ✕The lender's page was inaccessible at the time of checking
• ✕Loan amount, term and real annual rate aren't confirmed
• ✕Verify the offer's current status separately

✓ Pros

• ✓99% discount on the first period for new customers
• ✓Wide term range — 5 to 365 days
• ✓Unlimited prolongation
• ✓24/7 service
• ✓Early repayment with no extra charges

✕ Cons

• ✕Standard prolongation rate is 0.95% per day
• ✕Exact real annual rate isn't stated in an easily comparable format
• ✕Check age and other requirements before applying

✓ Pros

• ✓99.9% discount on the first loan
• ✓High stated approval probability — 97%
• ✓Decision within 15 minutes

✕ Cons

• ✕Minimum age 21 — higher than most competitors
• ✕Exact amount and term range isn't clearly stated on the page
• ✕Aggregator platform — final terms depend on the specific partner lender

✓ Pros

• ✓Online application with no need to visit an office

✕ Cons

• ✕The lender's page was inaccessible for detailed review
• ✕Loan amount and term aren't stated in the available data
• ✕Real annual rate isn't confirmed

✓ Pros

• ✓Fast application review — up to 5 minutes for repeat customers
• ✓Prolongation available without worsening terms
• ✓Simple application process

✕ Cons

• ✕Extremely high real annual rate — 21,918.79%, one of the highest in the segment
• ✕6% per day late payment penalty rate
• ✕Steady income required

✓ Pros

• ✓Online application
• ✓Clearly defined borrower age range (18–60)

✕ Cons

• ✕Real annual rate isn't stated in the available data
• ✕Loan amount and term aren't confirmed
• ✕Check the lender's site for current terms before applying

✓ Pros

• ✓Online application with no need to visit an office

✕ Cons

• ✕The detailed terms page wasn't accessible at the time of checking
• ✕Loan amount and term aren't stated in the available data
• ✕Real annual rate isn't confirmed

✓ Pros

• ✓Genuinely attractive first-loan promo — just 60 UAH cost on 20,000 UAH
• ✓Wide amount range — up to 70,000 UAH
• ✓Cashback up to 2% and a 450 UAH referral program
• ✓Flexible term — 5 to 180 days

✕ Cons

• ✕Age requirements aren't stated on the page
• ✕Standard rate after the promo period isn't stated on the page
• ✕FX55 promo discount only available in the mobile app

✓ Pros

• ✓Online application

✕ Cons

• ✕Specific loan amount and term aren't stated in the available public data
• ✕Real annual rate isn't confirmed
• ✕Detailed terms are only available after registering in the account portal