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CreditPlus UA review

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

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Our verdict

CreditPlus UA suits Ukrainian adults who need a small personal loan decided in minutes, with the money landing on the card as soon as the electronic agreement is signed. Early repayment is free and the origination fee is 0 UAH, so the cost of the loan itself is the thing to weigh.

Key facts

Best for
A small personal loan for a Ukrainian borrower who wants a fast decision and card funding.
APR
1,244.55% to 3,546.38%↗
Loan amount
UAH 500 to UAH 30,000↗
Term
345 to 365 months↗
Arrangement fee
0 UAH↗
Credit check
Hard↗
Funding time
Money to the card right after signing the electronic loan agreement; decision in up to 15 minutes for a first loan, up to 5 minutes for a repeat one↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ukrainian citizenship, age 18-68 for a first loan and 18-70 for a repeat loan, mobile phone, passport or ID card plus tax ID, and an active payment card of any Ukrainian bank issued in the borrower's own name↗
Origination fee (%)
0%↗
Loan types
Personal↗
Credit needed
Poor↗
Legal entity
Aventus Ukraine LLC (EDDRPOU 41078230)↗
Headquarters
Ukraine↗
Founded
2017↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
creditplus.ua

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.com

Pros and cons

Pros

  • A decision comes in minutes, and the money reaches your card right after you sign the electronic loan agreement.
  • Free early repayment, so clearing the balance before the agreed end adds nothing to what you pay.
  • A fixed rate over a 345 to 365 term, so the cost of the loan is set at the start.
  • Support runs on email, chat and phone, so help is close by when a payment needs attention.

Cons

  • APR of 1,244.55% to 3,546.38% is heavy for a personal loan, and that cost buys the speed of funding.
  • The credit check is hard and the credit needed is poor, so a thin file can still be turned down.
  • The term is set at 345 to 365, a long stretch to stay committed to if your income changes.
CreditPlus UA

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Ukrainian residents holding an active card in their own name who need a small sum settled quickly.
  • Borrowers with a thin credit file, since the credit needed is listed as poor.
  • Anyone planning to clear the balance early, since free early repayment applies.

Who should look elsewhere

  • Anyone chasing a low rate, since Sofkredit lists APR of 10.74% to 18.06%.
  • Borrowers who want to weigh another market first, such as Cashspace at PHP 12 to PHP 36.
  • Borrowers after larger euro sums, since Creduma ES starts at from €12,000.

Deposit protection

CreditPlus UA lends its own money, direct lender, so this is a loan product and not a savings account. Money you borrow is not covered by a deposit protection scheme. What backs the lender is a National Bank of Ukraine financial institution registration certificate, the licence a Ukrainian lender needs to operate.

The company behind it

The lender is Aventus Ukraine LLC, registered in Ukraine and trading since 2017. It lends directly to borrowers rather than through a broker, so the agreement sits with one company. Support runs on email, chat and phone, and the National Bank of Ukraine registration certificate covers the business itself.

How CreditPlus UA compares

Where CreditPlus UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (Financial institution registration certificate series FCK No.870 of 28.02.2017), checked September 26, 2026

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

Frequently asked questions

What does a loan cost?+

The annual percentage rate runs 1,244.55% to 3,546.38% on personal loans priced at a fixed rate. There is no setup charge to add on top: the origination fee is 0 UAH and the percentage fee is 0%. The rate does not move over the term, so the total is set when you sign.

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

Loan amounts run UAH 500 to UAH 30,000 and the term is 345 to 365 on these personal loans. That is a long repayment stretch for a sum aimed at an unexpected bill, so the monthly figure is the number to check before you accept, not just the headline amount.

How fast do I get the money?+

Same-day funding is built in, listed under same day funding and credit line. A decision comes in minutes and the money lands on your card right after you sign the electronic loan agreement. A repeat borrower is decided quicker than a first one, which helps if you have borrowed here before.

Is the lender regulated?+

Yes. It holds a financial institution registration certificate from the National Bank of Ukraine, the regulator that licenses lenders in the country. The business is a direct lender, direct lender, so you deal with the company issuing the loan rather than a broker or comparison site.

Can I apply with a weak credit file?+

The credit needed is listed as poor and the credit check is hard, so the lender reads your file properly. Applicants need Ukrainian citizenship, a mobile phone, a passport or ID card with a tax ID, and an active card from any Ukrainian bank in your own name.

Can I repay the loan early?+

Free early repayment applies, so settling the balance before the agreed end adds nothing to what you pay. The rate is fixed, so clearing early does not reset the pricing. If you want the process confirmed, support runs on email, chat and phone.

How do I reach the lender?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all open to you. The company behind the loan is Aventus Ukraine LLC, registered in Ukraine and lending since 2017, so there is one named entity to deal with.

Who is this loan for?+

It suits Ukrainian adults with an active card in their own name who need a small sum quickly. With amounts of UAH 500 to UAH 30,000, a fixed rate and an APR of 1,244.55% to 3,546.38%, it is a short-term convenience product rather than planned borrowing, so check the total repayable first.

Sources

  • creditplus.ua checked September 26, 2026

    Backs: Credit needed, Features, Founded, Funding time, Arrangement fee, Origination fee (%), Support channels

    “We review 100% of applications, including applications from clients with a troubled credit history”

  • creditplus.ua/kredytni-produkty checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Term

    “First loan amount: from 500 to 30,000 UAH”

  • creditplus.ua/pitannya-ta-vidpovidi checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment

    “The company passes information on client loans to the Credit History Bureau (UBKI); pass verification through Bank ID NBU or a passport photo”

  • kis.bank.gov.ua/Home/SrchViewLic/30000001008453 checked September 26, 2026

    Backs: Licences

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

Not confirmed yet: Representative example.

CreditPlus UA

CreditPlus UA

A small personal loan for a Ukrainian borrower who wants a fast decision and card funding.

9.1/10See alternatives