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mCash MK review

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

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Our verdict

mCash MK is a direct lender in North Macedonia, direct lender, paying out within the hour of approval, which suits an adult citizen needing MKD 5,000 to MKD 150,000 the same day. The charge to weigh is the express application processing fee of 23% to 60% of the approved amount.

Key facts

Best for
Fixed rate personal loans of MKD 5,000 to MKD 150,000 for North Macedonian adults who need the money the same day.
Loan amount
MKD 5,000 to MKD 150,000↗
Term
1 to 12 months↗
Arrangement fee
Express application processing fee, 23% to 60% of the approved loan amount depending on amount and term (M Fix, VIP, M Special)↗
Credit check
Hard↗
Funding time
Application answered within 15 minutes, funds transferred within 1 hour of approval↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Adult citizen of the Republic of North Macedonia with a valid ID card or passport↗
Origination fee (%)
23% to 60%↗
Loan types
Personal, Payday, Secured, Business↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
FD M Kesh Makedonija DOOEL Skopje↗
Headquarters
North Macedonia↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
mcash.mk

Mortgages

Initial rate
2%↗
APRC
45%↗
Fixed period
1 to 5 years↗
Product fee
MKD 153,912↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Money moves within the hour of approval and the application is answered in minutes, matching the same day funding feature it advertises.
  • Early repayment is free, so clearing the balance before the agreed end costs nothing extra.
  • Rates are fixed, fixed rate, so payments do not shift with market moves.
  • Loans of MKD 5,000 to MKD 150,000 over terms of 1 to 12 suit both a small urgent sum and a longer repayment.

Cons

  • The express application processing fee runs at 23% to 60% of the approved amount, which on a short loan can cost more than the interest.
  • The mortgage route pairs an initial rate of 2% with an APRC of 45%, so the headline rate hides the real cost.
  • Eligibility is limited to adult citizens of the Republic of North Macedonia with a valid ID card or passport, so anyone on another status cannot apply.
mCash MK

Ready to try mCash MK?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Adult citizens of the Republic of North Macedonia holding a valid ID card or passport, in the company's home market of MK.
  • People paying for home improvement, the listed use case home improvement, who value a same day payout over a low rate.
  • Homebuyers and remortgagers, listed purposes purchase and remortgage, who will look past the initial rate of 2% to the 45%.

Who should look elsewhere

  • Cashspace, with loans of PHP 500 to PHP 25,000, is the comparison for readers outside North Macedonia who want a different currency and market.
  • Sofkredit, lending €12,000 to €300,000, fits buyers whose property loan is far larger than the MKD 5,000 to MKD 150,000 on offer here.
  • Creduma ES, lending from from €12,000, is worth a look for readers wanting a bigger sum than MKD 5,000 to MKD 150,000 over a longer term than 1 to 12.

Deposit protection

mCash MK is a direct lender, direct lender, so the company that answers the application is the company that owns the credit and carries the risk of paying it back. That is a lending relationship rather than a savings one, so deposit protection is not the question here. What matters is who you owe, on what rate, and what the arrangement fee takes before you sign.

How mCash MK compares

Where mCash MK is available

Available
North Macedonia
Licence in North Macedonia
Ministry of Finance of the Republic of North Macedonia, checked September 26, 2026

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

Frequently asked questions

What does mCash MK charge to arrange a loan?+

The headline charge is an express application processing fee set at 23% to 60% of the approved loan amount, with the rate moving on the amount and the term you pick. On a short loan that percentage can outweigh the interest, so read the fee against the sum you want to borrow before you apply.

How fast does mCash MK send the money?+

Applications are answered within minutes and money is transferred within the hour of approval, and same day funding is a feature mCash MK advertises. That suits an urgent repair or a bill that cannot wait, rather than borrowing planned weeks ahead.

How much can I borrow from mCash MK and over what term?+

Personal loans run MKD 5,000 to MKD 150,000 over terms of 1 to 12. The lender also offers payday, secured and business lending, personal, payday and secured, so a short instalment loan and a longer property or business borrowing sit with the same company.

What rate do I pay on a mCash MK loan?+

Personal lending sits on a fixed rate, fixed rate, so the cost does not move with the market. The mortgage route opens at an initial rate of 2% for 1 to 5, but the 45% shows what that borrowing really costs.

Does mCash MK run a credit check?+

A hard credit check runs on the application, and the stated credit requirement is poor. Expect the file to be weighed closely, with the result shaping the amount and term on offer rather than approval alone.

Is the money protected, and who regulates mCash MK?+

mCash MK is a direct lender, direct lender, so it issues the loan itself and the relationship is a credit agreement, not a savings account. The regulator named for the market is the Ministry of Finance of the Republic of North Macedonia, and the loan terms rather than deposit cover are what stand behind a borrower.

Can I repay a mCash MK loan early?+

Yes, early repayment is free, so clearing the balance before the agreed end carries no extra charge. With a fixed rate and a short term, settling early is the simplest way to stop a percentage based fee adding up.

Sources

  • mcash.mk/krediti/hipotekaren-kredit checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

  • mcash.mk/krediti/kredit-na-rati checked September 26, 2026

    Backs: Loan amount, Term, Use cases

    “Zemete od 5.000 do 150.000 denari (Take from 5,000 to 150,000 denars)”

  • mcash.mk/opshti-uslovi checked September 26, 2026

    Backs: Credit check, Headquarters, Lender type

    “Preku proverki vo bazi na podatoci, kako na primer Makedonsko kreditno biro (checks in databases such as the Macedonian Credit Bureau)”

  • mcash.mk/prashanja checked September 26, 2026

    Backs: Credit needed, Eligibility, Features, Free early repayment, Funding time, Legal entity, Support channels, Licences

    “Tvoja-ta kreditna istorija ne e problem za nas (your credit history is not a problem for us)”

  • mcash.mk/tarifa checked September 26, 2026

    Backs: Pricing model, Arrangement fee, Origination fee (%), Rate type

    “Fiksna godishna kamatna stapka - 12 % (za produkti: M Fix, M Safe, M Combo, VIP, M Special, M Go)”

  • mcash.mk/za-nas checked September 26, 2026

    Backs: Loan types

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

mCash MK

mCash MK

Fixed rate personal loans of MKD 5,000 to MKD 150,000 for North Macedonian adults who need the money the same day.

8.9/10See alternatives