Cashtime UA review

Cashtime lends UAH 10,000 to UAH 1,000,000, in Ukrainian hryvnia, over terms of 6 to 48. The range covers secured, car and personal lending, so the same lender can back a loan on a car or on the borrower alone. A hard credit check applies either way.

Money can be on the card on the same banking working day, with the application handled in the same visit rather than over days. Same-day funding is listed as same day funding, and 57.5% of the personal loans on the site offer it too.

An arrangement fee is due when the loan is issued, covering database checks, contract signing, manager support and the vehicle pledge registry entry. Interest then runs over terms of 6 to 48. Early repayment itself is free, so clearing the loan early costs nothing extra.

Applicants must be adults, Ukrainian citizens or foreigners holding a Ukrainian permanent residence permit, and either individuals or sole entrepreneurs. A hard credit check runs on the file, and poor credit is enough to be considered, which matches the 42.3% of personal loans on the site that accept poor credit.

The secured, car and personal range on offer is built around a car pledge, and the borrower has to be the sole owner of the vehicle. That security is what lets a poor credit file reach sums of UAH 10,000 to UAH 1,000,000. Managers handle the paperwork side, from the pledge registry entry to the contract signing.

The National Bank of Ukraine is the regulator named for Cashtime, and the lender behind it is TOV Finansova Kompaniia UNIT, a Ukrainian company headquartered in Ukraine. Regulation sets the rules but not the credit risk: across the site the median retail loss runs at 70.15%.

Yes. Early repayment is free at Cashtime, with no charge for closing a loan before the end of its term. That matches 78.9% of the personal loans on the site, though the terms themselves still run 6 to 48.

Support runs on phone, chat and help centre, so a phone call or a live chat covers most questions, with a help centre and email behind them. For a car-backed loan, a manager also walks through the pledge registry entry and the contract signing.

Median retail loss across the site stands at 70.15%, so books of this shape carry real credit risk. Cashtime answers that with a hard credit check and a car pledge, both of which shift risk away from the lender, and a hard check sits on 76.8% of the personal loans listed.