Superium Online

What a Superium Online loan is

Superium Online is an online lending service that, unlike typical “until payday” microloans, offers amounts over a longer term — up to several years. The product suits needs that go beyond covering a few days' cash shortfall: renovations, a large purchase, or a planned expense more conveniently split into monthly payments than repaid in one lump sum.

Cost of the loan

Superium Online's real annual rate is 361.35% — the exact figure is calculated individually based on the amount, term, and chosen loan product. Online applications cover amounts up to 29,999 UAH (for offline applications the service states amounts up to 60,000 UAH, but that's a different disbursement channel). The origination fee ranges from 0% to 18% depending on the product, and under one tariff, the daily rate is set at 0.23%.

The site gives an example for a longer term: a 20,000 UAH loan over 24 months costs 25,351.12 UAH in interest plus a 3,600 UAH origination fee — meaning the total overpayment substantially exceeds the loan amount itself, so it's worth calculating the full cost on the service's own calculator for your specific amount and term before applying.

Terms and requirements

The loan term is 6 to 36 months, repaid in equal monthly installments. Early repayment carries no hidden penalties: the service states you pay “only for the actual time the loan funds were used,” meaning the overpayment decreases proportionally with early closure.

Borrower requirements: age 18 to 65, Ukrainian citizenship with registration in government-controlled territory, and a Visa or Mastercard payment card. For new customers, the service notes a “good credit history” is preferred, though detailed screening criteria aren't listed on the site — the final decision likely depends on an internal assessment after the application is submitted.

How to apply

Applying starts with the calculator on the homepage, where you choose the loan amount and term and click to continue. Next comes registration or login to the personal account and filling out the application. Per the service, a decision is usually made within about 15 minutes.

Pros and cons

Compared to classic microloans lasting a few days, Superium Online has its own specifics worth considering when choosing between a short microloan and longer installments.

Summary

Superium Online stands out among microloans for its longer usage term (up to 36 months) and the transparent “pay only for actual time used” principle on early repayment. But with a real annual rate of 361.35% and a fee of up to 18%, the total overpayment over a long term can be substantial, so a decision should be made only after an exact calculation on the service's calculator for the specific amount.