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Aerocash review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Aerocash suits Ukrainian adults who need a small personal or payday loan quickly and can pass a hard credit check. Money can reach the card Within 5 minutes to the bank card on amounts of UAH 4,000 to UAH 8,600, a short bridge rather than planned borrowing.

Key facts

Best for
Small personal or payday loans for Ukrainian adults, funded Within 5 minutes to the bank card.
APR
3,350.79% to 5,560.49%↗
Loan amount
UAH 4,000 to UAH 8,600↗
Term
360 months↗
Arrangement fee
25% of the loan amount, charged on the first day of use↗
Credit check
Hard↗
Funding time
Within 5 minutes to the bank card↗
Representative example
Standard loan 5 000 UAH, term 360 days, 24 payments, real APR 3 350,79%, total credit cost 22 300 UAH↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Citizens of Ukraine aged 18 to 65 with a valid mobile number, own bank card and online banking access↗
Origination fee (%)
25%↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
LLC Financial Company "Ukrainian Payment Center" (ED RPOU 39898755)↗
Headquarters
Ukraine↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
aerocash.com.ua

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.comfacebook.comt.me

Pros and cons

Pros

  • Loan types cover personal and payday lending, funded Within 5 minutes to the bank card.
  • Early repayment is free, so clearing the balance early costs nothing extra.
  • Aerocash lends directly at a fixed rate, so repayments do not move with market shifts.
  • Support runs on email, chat and phone, so a question reaches a real channel.

Cons

  • The APR runs 3,350.79% to 5,560.49%, far above the 36.5% median for payday lenders.
  • Every loan carries 25% of the loan amount, charged on the first day of use.
  • Loan amounts run UAH 4,000 to UAH 8,600, a size built for a short term bill.
Aerocash

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Ukrainian adults with their own bank card and online banking who need money the same day.
  • People with a thin credit history, since the credit needed is poor.
  • Borrowers who plan to clear the balance, since early repayment is free.

Who should look elsewhere

  • Not Cashspace, where an APR of PHP 12 to PHP 36 costs far less than 3,350.79% to 5,560.49% here.
  • Not Sofkredit, whose APR of 10.74% to 18.06% sits well below 3,350.79% to 5,560.49%.
  • Not Creduma ES, whose amounts of from €12,000 suit larger borrowing needs.

The company behind it

Aerocash is a Ukrainian service, and the legal entity behind it is the financial company Ukrainian Payment Center, based in Ukraine. It appears in the State Register of Financial Institutions under the National Bank of Ukraine with licence number 27-0026/70711. Questions are handled through email, chat and phone.

How Aerocash compares

Where Aerocash is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (State Register of Financial Institutions) (27-0026/70711), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a loan from Aerocash cost?+

The cost is the main drawback. The APR runs 3,350.79% to 5,560.49% on amounts of UAH 4,000 to UAH 8,600, and 25% of the loan amount, charged on the first day of use is charged on top, above the 36.5% median for payday lenders.

How fast is the money sent out?+

Speed is the main reason people turn to Aerocash. The listed funding time is Within 5 minutes to the bank card, so an approved loan can be on the card while the applicant is still waiting. That timing suits a bill due the same day.

Can I repay the loan early?+

Free early repayment means you can settle the balance before the 360 term ends without a charge. What you cannot avoid is 25% of the loan amount, charged on the first day of use, which is added as soon as the loan is drawn.

What credit history do I need?+

The credit needed is listed as poor, so a thin file is still workable, and a hard credit check decides the outcome. Applicants also need a valid mobile number, their own bank card and access to online banking.

Is the lender regulated?+

The loans are made by the financial company Ukrainian Payment Center, listed in the State Register of Financial Institutions under the National Bank of Ukraine with licence number 27-0026/70711. That registration is the detail to check before signing.

Who can apply for a loan?+

Applicants must be adults in Ukraine with a valid mobile number, their own bank card and access to online banking. Amounts run UAH 4,000 to UAH 8,600 and the term is 360, so the product is sized for a short term bill.

How do I get help if something goes wrong?+

Support runs on email, chat and phone, so help is easy to reach if a payment date looks wrong. With money moving Within 5 minutes to the bank card, a same day answer can settle a query before the next instalment.

Is the rate fixed or does it change?+

The rate is fixed, and the pricing model is fixed rate, so the cost is set when the loan is drawn and does not float with market rates. What varies is how long you hold the money.

Sources

  • aerocash.com.ua checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Licences

  • aerocash.com.ua/dlya-spozhyvachiv checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

  • aerocash.com.ua/faq checked September 26, 2026

    Backs: Credit needed, Free early repayment

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Aerocash

Aerocash

Small personal or payday loans for Ukrainian adults, funded Within 5 minutes to the bank card.

9.2/10See alternatives