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Credos
Payday loans

Credos

Verified 04.09.2026

Credos • UAH

Go to offer 19 people have used this offer

🔒 Secure redirect to Credos, no obligation

🏆 BankSorter Score
2,4 / 10

Score based on rate competitiveness and popularity among users.

In brief
APR 6 107,95%

Our review

Олена Ткаченко · 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

APR = Annual Percentage Rate. Includes all costs of the loan. Please read the terms carefully before signing.