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Finbert UA review

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

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Our verdict

Finbert UA suits Ukrainian adults who want a fixed-rate personal loan of UAH 3,000 to UAH 8,600 on their own card the same day and who can settle early without penalty. The trade-off is cost, since the rate can sit at the top of 3.65% to 365%, so read the terms before you apply.

Key facts

Best for
Fast fixed-rate personal borrowing in Ukraine with the card funded the same day.
APR
3.65% to 365%↗
Loan amount
UAH 3,000 to UAH 8,600↗
Term
12 months↗
Arrangement fee
0 UAH↗
Credit check
Hard↗
Funding time
About 10 minutes from application to money on the card (application review up to 15 minutes for new clients)↗
Representative example
Product Найкращий: UAH 3500 for 360 days at 1.0% per day (365.0% p.a.), interest UAH 12600, total to repay UAH 16100↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Adult citizens of Ukraine only; passport, tax ID, own-name bank card, mobile phone and email; no service in areas of hostilities or temporarily occupied by the Russian Federation↗
Origination fee (%)
0%↗
Loan types
Personal↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
LLC Financial Company Hvadiana (TOV FK Hvadiana), EDDRPOU 42016442↗
Headquarters
Ukraine↗
Founded
2018↗
Support channels
Email, Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
finbert.ua

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.comt.me

Pros and cons

Pros

  • No origination charge: the fee is 0 UAH and the percentage fee is 0%.
  • Fixed rates over a term of 12, so the repayment does not shift with the market.
  • Same-day funding straight to your own card, with support on email, phone and chat.
  • Free early repayment, so a shorter payoff costs nothing extra.

Cons

  • Rates can sit at the top of an APR of 3.65% to 365%, well past the 14.43% site median.
  • Applications run a hard credit check and ask for a fair credit record.
  • The term is 12, short against a site median of 36.
Finbert UA

Ready to try Finbert UA?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Ukrainian adults with a passport, tax ID and a bank card in their own name, borrowing for home improvement.
  • People who need their card funded the same day and can handle a hard credit check.
  • Borrowers who prefer dealing with a direct lender rather than a broker.

Who should look elsewhere

  • Anyone shopping on price alone, because Cashspace quotes PHP 12 to PHP 36 APR against Finbert's 3.65% to 365%.
  • Borrowers in Spain, since Creduma ES lends in euro from from €12,000 while Finbert serves Ukrainian citizens.
  • Anyone after a cheaper ceiling, because Sofkredit quotes 10.74% to 18.06% APR.

Deposit protection

Finbert lends in its own name as a direct lender, with no broker in the middle of your contract. It holds a financial company registration certificate from the National Bank of Ukraine, Financial company registration certificate FC No. 1154 of 03.01.2019, registration number 13103894, plus a current entry in the state register of financial institutions, Extract No. 27-0026/55533 of 22.07.2024. Your balance is a loan owed by the company to you, and the published representative example shows interest far above the amount advanced.

The company behind it

The lender is LLC Financial Company Hvadiana, a financial company based in Ukraine and operating since 2018. It lends as a direct lender rather than passing you to a broker, and support runs on email, phone and chat. The National Bank of Ukraine registration certificate, Financial company registration certificate FC No. 1154 of 03.01.2019, registration number 13103894, is the document to check before you sign.

How Finbert UA compares

Where Finbert UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (NBU) (Financial company registration certificate FC No. 1154 of 03.01.2019, registration number 13103894), checked September 26, 2026
Licence in Ukraine
National Bank of Ukraine (NBU) - State Register of Financial Institutions (Extract No. 27-0026/55533 of 22.07.2024), checked September 26, 2026

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

Frequently asked questions

What does a Finbert loan cost?+

The origination charge is 0 UAH and the percentage fee is 0%, so fees on the front end are light. The rate is where the cost sits: pricing is fixed and the APR runs 3.65% to 365%, so a borrower landing at the top of that range pays heavily for a short personal loan.

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

Amounts run UAH 3,000 to UAH 8,600 and the term is 12, so this is a short personal loan aimed at a specific bill rather than a large project. The stated use is home improvement, and fixed pricing means the repayment stays put for the whole term.

Will a hard credit check stop me?+

Applications run a hard credit check and the stated bar is fair, so the decision rests on your file rather than a soft score. Applicants with a thin history or recent difficulties may be declined, and the search stays on your credit file.

How quickly does the money arrive?+

The site lists same day funding, and the stated timing is money on your own card the same day from application, with a longer review for new clients. Eligibility requires a bank card in your own name, so the payout goes straight there.

Can I repay the loan early?+

Free early repayment is available, so clearing the balance before the end of the term carries no extra charge. With an APR of 3.65% to 365%, paying down sooner cuts the interest you would otherwise run, which makes settling early the clearest way to reduce what you pay.

Is Finbert properly regulated?+

Finbert holds a financial company registration certificate from the National Bank of Ukraine, given as Financial company registration certificate FC No. 1154 of 03.01.2019, registration number 13103894, and a current extract in the state register of financial institutions, Extract No. 27-0026/55533 of 22.07.2024. Your contract is with the licensed company itself.

Who can apply for a Finbert loan?+

Eligibility is limited to adult citizens of Ukraine with a passport, tax ID, mobile phone, email and a bank card in their own name, and the service does not run in areas of hostilities or occupied regions. Lending is personal borrowing only, aimed at home improvement.

Sources

  • finbert.ua checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Loan types, Pricing model, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

  • finbert.ua/about checked September 26, 2026

    Backs: Arrangement fee

  • finbert.ua/faq checked September 26, 2026

    Backs: Features, Free early repayment, Funding time

  • finbert.ua/pravova-informacia checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Licences

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

Finbert UA

Finbert UA

Fast fixed-rate personal borrowing in Ukraine with the card funded the same day.

9.2/10See alternatives