Updated October 21, 2026 · SumCue Editorial Team
Cheers Financial vs PUMB
Cheers Financial
PUMB
Higher score in this comparison
What sets them apart
| Compare | Cheers FinancialReviewVisitVisit | PUMBReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 12.15% to 15%Lower | 35.88% to 44.28% |
| Loan amount | $151.60 to $3,197.82 | UAH 0 to UAH 500,000 |
| Term | 24 monthsHigher | 1 month |
| Arrangement fee | 0 USD | 0 UAH |
| Representative example | Plan A: $175 total payments, $151.60 financed, $7/month, $23.40 total interest, 15% APR | Real annual interest rate 44.28% per annum; APR range 35.88%-44.28% (35.88% card payments only, 44.28% payments, transfers, cash withdrawals) |
| Eligibility | 18+, valid U.S. bank account and Social Security number | Ukrainian citizens aged 18-70 with passport and TIN |
| Loan types | Secured | Credit line, Personal |
| Credit check | None | Not confirmed |
| Funding time | Not confirmed | about 5-10 minutes in the PUMB app after approval |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- PUMB scores higher overall: 9.5 vs 9.2.
- APR is lower at Cheers Financial: 12.15% to 15% vs 35.88% to 44.28%.
- Term is higher at Cheers Financial: 24 months vs 1 month.
- Support channels: only Cheers Financial offers Email, Community.
- Support channels: only PUMB offers Chat, Phone, Help centre.
- Loan types: only Cheers Financial offers Secured.
- Loan types: only PUMB offers Credit line, Personal.
Our verdict on each
Cheers Financial
Cheers Financial suits US adults with a valid US bank account and a Social Security number who want a small secured loan they can clear early without charge. The APR is 12.15% to 15% and there is no origination fee, so the total cost sits above the cheapest lender here.
PUMB
PUMB’s vseKARTA is a debit card for the customer’s own funds. The provider describes opening the card in its app, with a plastic card available to order online or collect at a branch. These are debit-card options, not credit-card or deposit features.
Score breakdown
| Area | Cheers Financial | PUMB |
|---|---|---|
| Cost | 9.3Origination fee of 0 USD and a monthly fee of $0, with APR of 12.15% to 15% above 12.74% to 13.01%. | Not confirmed |
| Offer | 8.7Amounts of $151.60 to $3,197.82 over a term of 24 months on a fixed account suit small secured borrowing only. | 9.7Higher |
| Trust | 9.4A direct lender, direct lender, with a credit check of none and credit needed of fair. | 9.4 |
Feature by feature
| Loan types | Cheers Financial | PUMB |
|---|---|---|
| Personal | No | Yes |
| Credit line | No | Yes |
| Secured | Yes | No |
Ranges side by side
| Fact | Cheers Financial | PUMB |
|---|---|---|
| APR | 12.15% to 15% | 35.88% to 44.28% |
Positions in our rankings
| Ranking | Cheers Financial | PUMB |
|---|---|---|
| Savings | 23 of 1492 | 106 of 1492 |
| Fixed-rate bonds and term deposits | 3 of 199 | 13 of 199 |
| Loans | 95 of 2043 | 206 of 2043 |
Availability and regulation
| Country | Cheers Financial | PUMB |
|---|---|---|
| Ukraine | Not confirmed |
Additional countries for Cheers Financial: 1. Additional countries for PUMB: 1.
Also worth a look
myKredit has term at 30 months, against 24 months for Cheers Financial and 1 month for PUMB.
myKredit reviewEvery fact side by side
| Fact | Cheers Financial | PUMB |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Credit line, Same day funding |
| Legal entity | Cheers Financial Inc. | JSC FUIB |
| Headquarters | United States | Ukraine |
| Founded | Not confirmed | 1991 |
| Support channels | Email, Community | Chat, Phone, Help centre |
Savings
| Fact | Cheers Financial | PUMB |
|---|---|---|
| Headline rate | 12.15% to 15% | UAH 4 to UAH 5 |
| Minimum deposit | $151.60 | UAH 100 |
| Access terms | 24-month term, savings returned minus interest at the end; cancel anytime and get savings to date less interest | Interest paid monthly to the card; partial withdrawal without restrictions; replenishment without any restrictions; early termination possible; auto prolongation provided |
| Monthly fee | $0 | Not confirmed |
| Account kind | Fixed | Easy access |
Where each stands against the rest
| Fact | Cheers Financial | PUMB | Median |
|---|---|---|---|
| APR | 12.15% to 15%above the median | 35.88% to 44.28%highest quarter | 9.99 |
| Term | 24 monthsbelow the median | 1 monthlowest quarter | 60 months |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Cheers Financial
Pros
- The origination fee is 0 USD, so there is no charge to set the plan up.
- Early repayment carries no charge, so clearing the balance sooner costs nothing extra.
- The credit check is none and the credit needed is fair, so a thin file does not decide the outcome on its own.
Cons
- Amounts stop at $151.60 to $3,197.82, a small sum for anything beyond a household bill.
- A single term of 24 months on a fixed account, so there is no shorter or longer schedule.
- Support runs on email and community only, so there is no phone line when a payment goes wrong.
PUMB
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
Who each suits
Cheers Financial
Who it suits
- US adults with a valid US bank account and a Social Security number who want a small secured loan at a fixed rate.
- Borrowers with a thin credit file: the credit check is none and the credit needed is fair.
- Households with savings to place behind the plan, since the money comes back less the interest at the end or on cancellation.
Who should look elsewhere
- Anyone outside the US: a minimum age, a valid US bank account and a Social Security number are required, so Ibancar Prestamos and Mi Prestamo are the listed routes to compare instead.
- Borrowers chasing the lowest APR here: 12.15% to 15% sits above 12.74% to 13.01%, and Ibancar Prestamos is priced lower.
- Anyone wanting an unsecured personal loan: the only loan type listed is secured, so a plan that needs no savings behind it is not in this offer.
PUMB
Who it suits
- Customers looking for a debit card and more than one way to obtain a plastic card.
Who should look elsewhere
- People looking for a credit line rather than a debit card using their own funds.
Country by country
| Country | Cheers Financial | PUMB |
|---|---|---|
| Ukraine | No | Yes |
| United States | Yes | No |
Questions about each
Cheers Financial
What fees do I pay on top of the interest?+
The origination fee is 0 USD and the monthly fee is $0, so there is no recurring charge for keeping the plan running. The cost of borrowing shows up in the APR of 12.15% to 15% instead, and the representative example shows that interest collected across the monthly payments.
How does the APR compare with the other lenders here?+
Cheers Financial runs at 12.15% to 15%. Ibancar Prestamos is priced at 12.74% to 13.01%, AXI Card Tarjeta y Credito at 21.59% and Mi Prestamo at 23%, so Ibancar Prestamos is the cheaper named option for a reader shopping on cost.
Will a credit check stop me applying?+
The credit check is none and the credit needed is fair, so a thin credit file is not the deciding factor on its own. You still need a minimum age, a valid US bank account and a Social Security number before an application can go through.
How much can I borrow and over what period?+
Amounts run $151.60 to $3,197.82 and the term is 24 months, on a fixed account. The minimum deposit is $151.60, so there is a savings element to set up before the money is advanced, and the period does not change once the plan starts.
Other options to compare
Other matchups
Cheers Financial
PUMB