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Credit 365 UA review

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

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Our verdict

Credit 365 UA is a Ukrainian lender for adults who need a small sum this week rather than a longer loan. It lends to people with poor credit and gets money out fast, at an annual cost of 360%, so it suits a genuine gap and not a planned purchase.

Key facts

Best for
Small, urgent borrowing in Ukraine where speed matters more than rate.
APR
360%↗
Loan amount
UAH 500 to UAH 20,000↗
Term
7 to 30 months↗
Arrangement fee
Commission charged on the loan amount, from 1.3% per day↗
Funding time
Within 15 minutes of approval↗
Representative example
Loan 1000 UAH, term 7 days, repay 1070 UAH, APR 360%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ukrainian citizens aged 18 to 75 with an active Ukrainian bank card and no overdue loans↗
Loan types
Payday, Personal↗
Credit needed
Poor↗
Legal entity
TOV "AIA FINANS HRUP" (LLC AIA Finance Group), EDREOU 41184403↗
Headquarters
Ukraine↗
Founded
2013↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
credit365.ua

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
youtube.comfacebook.com

Pros and cons

Pros

  • Funds arrive Within 15 minutes of approval, so a gap before payday does not run long.
  • It is a direct lender, so the decision and the money come from the same company.
  • Early repayment is free, so settling the balance ahead of the due date costs nothing extra.
  • Support runs on phone, email and chat, with a phone line as well as written help.

Cons

  • An APR of 360% sits far above the 97.16% that most payday lenders on the site sit under.
  • Loan amounts run UAH 500 to UAH 20,000, so a larger bill needs funding elsewhere.
  • Terms run 7 to 30, so the balance has to clear inside a short window.
Credit 365 UA

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Ukrainian adults with an active bank card and no overdue loans who need cash the same day.
  • Borrowers with thin credit files, since the credit needed here is poor.
  • People who can clear a balance inside a 7 to 30 term without a second loan.

Who should look elsewhere

  • Cashspace, where PHP 12 to PHP 36 suits a longer and cheaper loan than a short urgent one.
  • Creduma ES, for larger planned borrowing, since amounts start at from €12,000.
  • Sofkredit, where 10.74% to 18.06% suits a longer repayment window than a 7 to 30 term.

Deposit protection

Credit 365 UA is a direct lender rather than a savings provider, so there is no deposit balance or savings pot sitting behind the account. What the product actually is shows in the representative example: Loan 1000 UAH, term 7 days, repay 1070 UAH, APR 360%. The cost sits in interest and commission on the borrowed sum, not in a separate account fee.

The company behind it

The lending entity is AIA Finance Group, with its headquarters in Ukraine, and it has been lending since 2013. Borrowers deal with that same company from application to repayment, and help runs on phone, email and chat, so questions about eligibility or a repayment date go to the same desk.

How Credit 365 UA compares

Where Credit 365 UA is available

Available
Ukraine
Licence in Ukraine
National Commission for Financial Services Markets (NCSF), checked September 26, 2026

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

Frequently asked questions

What does borrowing from Credit 365 UA cost?+

The headline APR is 360%, and the charge works as Commission charged on the loan amount, from 1.3% per day. The representative example shows how it builds up: Loan 1000 UAH, term 7 days, repay 1070 UAH, APR 360%. Because the commission runs each day, holding a balance longer costs noticeably more, so settling early is the cheapest route.

How much can I borrow, and for how long?+

Loan amounts run UAH 500 to UAH 20,000 and terms run 7 to 30, and the limits sit together: the larger balance is a short loan, not a long one. Applications also need an active Ukrainian bank card and no overdue loans.

Can I repay the loan early?+

Early repayment is free, so clearing the balance before the due date adds nothing to what you owe. The agreed term runs 7 to 30 and the commission is charged day by day, which means a loan settled sooner costs less in total.

How quickly does the money arrive?+

Funding is Within 15 minutes of approval, and same day funding is listed among its features. The wait is measured in minutes after approval rather than in working days, which is the point for a borrower covering a bill that has already landed.

Will I be accepted with a poor credit history?+

The credit needed here is poor, a lower bar than many lenders set. Eligibility still requires Ukrainian citizenship, an active Ukrainian bank card and no overdue loans, so a current default blocks an application even when past credit is thin.

Who regulates Credit 365 UA?+

Credit 365 UA operates in Ukraine, where the regulator is the National Commission for Financial Services Markets. The lending entity is AIA Finance Group and support runs on phone, email and chat, so questions about a loan go to a Ukrainian team.

Does a broker decide my application?+

Credit 365 UA is a direct lender, so approval and funding come from the same company rather than a panel of lenders. Loan types cover payday and personal borrowing, and questions are handled on phone, email and chat before and after a loan is taken out.

Sources

  • credit365.ua checked September 26, 2026

    Backs: APR, Credit needed, Founded, Headquarters, Legal entity, Lender type, Representative example, Support channels

    “Example calculation of the annual interest rate: loan amount 1000 UAH; loan term 7 days; total amount to be repaid 1070 UAH. APR - 360%”

  • credit365.ua/uk/about/docs checked September 26, 2026

    Backs: Licences

  • credit365.ua/uk/faq checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment, Funding time

    “From 500 to 20 000 hryvnias. For new clients the maximum amount is 5000 hryvnias”

  • credit365.ua/uk/micro-credit checked September 26, 2026

    Backs: Features, Loan types, Pricing model, Arrangement fee, Rate type, Term

    “The decision is made in 15 minutes and the money is transferred to your card immediately”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credit 365 UA

Credit 365 UA

Small, urgent borrowing in Ukraine where speed matters more than rate.

9.0/10See alternatives