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Microcash review

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

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Our verdict

Microcash is a Ukrainian direct lender for small personal and payday loans, with amounts of UAH 500 to UAH 15,000 and funding that usually lands within minutes of linking the card. The cost is the trade-off, so it suits borrowers who need a small sum quickly rather than those shopping for cheap credit.

Key facts

Best for
A small same-day sum for a Ukrainian borrower with a thin credit file.
APR
7,250.89%↗
Loan amount
UAH 500 to UAH 15,000↗
Term
3 months↗
Arrangement fee
5% of loan principal↗
Credit check
Soft prequal↗
Funding time
Usually within 5 minutes after card linking; average 15 minutes from start of registration↗
Representative example
Standard 1 loan: 1000 UAH for 90 days; repay 1890 UAH, of which 890 UAH is interest (all loan costs)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Citizens of Ukraine aged 18 to 65 with passport, tax ID (IPN), mobile phone and an active card issued by a Ukrainian bank; must be physically present in Ukraine when receiving the loan↗
Origination fee (%)
5%↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
LLC Fintarget (TOV "Fintarget"), EDROU 41955906↗
Headquarters
Ukraine↗
Founded
2018↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
microcash.com.ua

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Same-day money: the features list includes same day funding, and funding usually follows within minutes once the card is linked.
  • A thin credit file is workable, since the check is soft prequal and poor credit history is enough to apply.
  • The lender kind is direct lender, so the company you apply to is the company that releases the money.
  • Early repayment is free, so settling sooner trims the interest rather than adding a charge.

Cons

  • The rate of 7,250.89% sits far above the payday median of 36.5% and close to the 97.16% mark.
  • An origination fee of 5% of loan principal is charged on top of the interest.
  • The term is 3, so the whole cost lands on a small balance in a short window.
Microcash

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Borrowers in Ukraine who need a small sum the same day and can act once the card is linked.
  • Applicants with a thin credit record, since soft prequal checking and poor credit are accepted.
  • People covering an unexpected cost rather than funding a planned purchase.

Who should look elsewhere

  • Rate shoppers, since Sofkredit charges 10.74% to 18.06%, well below the 7,250.89% here.
  • Borrowers after a bigger sum: Creduma ES lends from €12,000, well above this UAH 500 to UAH 15,000 band.
  • Anyone wanting a gentler headline rate, since Cashspace's rate of PHP 12 to PHP 36 sits far under the 7,250.89% here.

Where it sits among rivals

Microcash ranks 336 out of 338 brands on rate, which puts it at the expensive end of the market, and 195 out of 226 on term, showing its loans also run shorter than most rivals. Easy access, quick cash and a heavy price tag.

Who runs it

The lender is LLC Fintarget (TOV "Fintarget"), EDROU 41955906, headquartered in Ukraine and operating since 2018. It holds a National Bank of Ukraine licence, 1073, and is listed by the National Commission for Financial Market Regulation, 1490. Both registrations point to a single market. Support on a live loan runs on email, phone and help centre.

How Microcash compares

Where Microcash is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (NBU) (1073), checked September 26, 2026
Licence in Ukraine
National Commission for Financial Market Regulation (Ukraine) (1490), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Microcash loan?+

The published rate is 7,250.89%, and it is fixed, so the number does not move with the market while the loan runs. That is a heavy rate next to Cashspace's PHP 12 to PHP 36. Microcash prices for urgency rather than for saving money on a planned purchase.

Are there fees on top of the interest?+

Yes, an origination fee of 5% of loan principal is charged, so what you receive is less than what you owe back. Early repayment is free, which means settling the loan early adds no penalty. Every other cost sits inside the total shown in the published example.

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

Loan amounts run UAH 500 to UAH 15,000 and the term on offer is 3, so this is a small and short product rather than a long instalment loan. The types available are personal and payday. Larger sums or longer terms sit with other lenders.

How quickly does the money arrive?+

The features list includes same day funding, and funding usually follows within minutes once your card is linked, with the rest of the time taken during registration. An active card from a Ukrainian bank is a condition of the application, so have it ready before you start.

What credit check and credit history do I need?+

The check is soft prequal, and poor credit history is enough to apply, so a thin file is not an automatic bar. That step still means the lender looks at your record before approving, and the decision reflects the debt you already carry.

Who can apply for a Microcash loan?+

Applicants must be citizens of Ukraine and adults, with a passport, tax ID, a mobile phone and an active card issued by a Ukrainian bank. You also need to be in Ukraine when the loan is released, so being abroad blocks the application at that stage.

Is Microcash a regulated lender?+

It holds a National Bank of Ukraine licence, 1073, and is listed by the National Commission for Financial Market Regulation, 1490. The lending entity is LLC Fintarget (TOV "Fintarget"), EDROU 41955906, so a named registered company stands behind the loan.

What does one of these loans cost in practice?+

The published standard example shows a small loan over a short term where the interest added is close to the amount borrowed again, and every cost is included in the total quoted. Across a 3 term, that is a large extra sum for a brief window.

Sources

  • microcash.com.ua checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Headquarters, Legal entity, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Licences

  • microcash.com.ua/about checked September 26, 2026

    Backs: Founded

  • microcash.com.ua/faq checked September 26, 2026

    Backs: Credit check, Credit needed, Free early repayment, Lender type, Loan types, Support channels

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Microcash

Microcash

A small same-day sum for a Ukrainian borrower with a thin credit file.

8.7/10See alternatives