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Groshi24 review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Groshi24 is a Ukrainian lending marketplace for borrowers with poor credit who need money on a Ukrainian bank card the same day. The trade-off is cost: an annual percentage rate of 2,221.34% on a personal or payday loan repaid over 60 months at most.

Key facts

Best for
Poor-credit borrowers in Ukraine who want a same-day transfer to a bank card.
APR
2,221.34%↗
Loan amount
UAH 50,000↗
Term
60 months↗
Arrangement fee
10% of the loan amount↗
Credit check
Hard↗
Funding time
Application processing 1 to 20 minutes at MFOs; money sent to the Ukrainian bank card after approval↗
Representative example
3000 UAH loan for 120 days at 0.8% per day of outstanding balance plus 10% commission, total 6180 UAH to repay↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Age 18-75, Ukrainian citizenship, passport and tax ID, active Ukrainian bank card↗
Origination fee (%)
10%↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Headquarters
Ukraine↗
Founded
2012↗
Support channels
Email, Help-centre↗
Features
Same-day funding
Official website
groshi24.com.ua

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Same-day funding is listed, and money is sent straight to a Ukrainian bank card once an application is approved.
  • Built for weaker credit histories: the credit needed is poor and the credit check is hard.
  • Free early repayment, so daily interest stops building the moment you settle.
  • Loans reach UAH 50,000 across personal and payday.

Cons

  • The representative example shows the total repayable well above the amount borrowed, so a late instalment lands on a bill that already carries daily interest and a commission.
  • The annual percentage rate of 2,221.34% is steep: Groshi24 sits at 333 of 338 brands on that measure.
  • Support runs on email and help centre only.
Groshi24

Ready to try Groshi24?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Borrowers whose credit history is poor, since that is the level the marketplace is built for.
  • Anyone who needs cash paid to a Ukrainian bank card the same day an application is approved.
  • Borrowers who can clear the balance early and keep the interest from building.

Who should look elsewhere

  • Sofkredit, which quotes an annual percentage rate of 10.74% to 18.06% and suits anyone shopping on rate.
  • Creduma ES, which lends from from €12,000 and suits borrowers after a larger sum.
  • Cashspace, whose annual percentage rate of PHP 12 to PHP 36 sits in a different currency and a different market.

Deposit protection

Groshi24 is a marketplace, so it places your application with lenders rather than lending the money itself, and the contract you sign is with the lender you are matched with. Its representative example is the most useful guide to what a real loan costs here: a daily rate on the outstanding balance plus a commission, with the total repayable well above the sum borrowed.

How it compares on our data

On annual percentage rate, Groshi24 ranks 333 of 338 brands compared, which puts it among the most expensive on our borrowing data. On term it sits at 55 of 226, a more ordinary placement. Ordinary on length, costly on price, is the pattern to weigh.

How Groshi24 compares

Where Groshi24 is available

Available
Ukraine

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

Frequently asked questions

What does borrowing through Groshi24 cost?+

The headline figure is an annual percentage rate of 2,221.34%, and a loan also carries 10% of the loan amount. Its representative example puts a daily rate on the outstanding balance on top of that commission, so the total repayable runs well above the sum you borrow. Interest keeps building until the loan is settled.

How quickly would the money arrive?+

Applications are processed at the lenders and the money is sent to a Ukrainian bank card after approval, so same-day funding applies rather than a wait. An active Ukrainian bank card is part of the eligibility, so the transfer needs an account in your own name to land.

Who is allowed to apply?+

Applicants need to be adults holding Ukrainian citizenship, with a passport, a tax ID and an active Ukrainian bank card. The credit needed is poor and the credit check is hard, so a weak credit history does not rule you out, but the check is a recorded one.

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

Loans reach UAH 50,000 and the term runs to 60 months at most, across personal and payday lending. As a marketplace, the amount actually offered depends on the lender your application reaches. Borrowing a smaller sum over a shorter term keeps the daily interest down.

Can I settle the loan early?+

Free early repayment is part of the terms, so there is no charge for clearing the balance before the end date. Because the daily rate is charged on the outstanding balance, paying down or closing early cuts the interest that would otherwise build. Keep the card you used for the opening payment to hand for the final one.

How do I get help from Groshi24?+

Support runs on email and help centre, so questions go by email or through the help centre rather than a phone line. That suits borrowers who are comfortable writing things down. If an application stalls, the help centre is where to raise it, and the lender stays the party you deal with.

Is Groshi24 a lender itself?+

It is a marketplace: applications are passed to lenders who set their own pricing, and the agreement is with the lender you are matched with. The founding year is 2012 and the business is headquartered in Ukraine, so read it as the route to an offer rather than the company that carries the debt.

Sources

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

Groshi24

Groshi24

Poor-credit borrowers in Ukraine who want a same-day transfer to a bank card.

8.6/10See alternatives