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MyCredit UA review

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

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Our verdict

MyCredit UA suits eligible Ukrainian citizens who need a small personal loan quickly and can manage a high fixed borrowing cost. Borrowing is available in Ukrainian hryvnia, with no origination fee, but the stated annual percentage rate is 1,265.8% to 2,989.62%, making the total cost the main consideration.

Key facts

Best for
Eligible Ukrainian borrowers who value fast funding and fee-free origination despite a very high borrowing rate.
APR
1,265.8% to 2,989.62%↗
Loan amount
UAH 500 to UAH 30,000↗
Term
11.3 to 12 months↗
Arrangement fee
0 UAH↗
Funding time
About 5 minutes↗
Representative example
Без комісії: loan 10,000.00 UAH, term 360 days, 30-day payment frequency, 12 payments, real annual interest rate 1265.80%, total loan cost 33,030.00 UAH↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ukrainian citizens aged 18 or over, with a Ukrainian passport and tax ID (IPN) and a personal active bank card issued by a Ukrainian bank in their own name↗
Origination fee (%)
0%↗
Loan types
Personal↗
Credit needed
Poor↗
Legal entity
TOV "1 BEZPECHNE AGENTSTVO NEOBYKHNYH KREDYTIV" (LLC "1 Safe Agency of Necessary Credits"), EDRPOU 39861924↗
Headquarters
Ukraine↗
Founded
2015↗
Support channels
Phone, Email, Help-centre, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
mycredit.ua

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
Google Play
Elsewhere
facebook.com

Pros and cons

Pros

  • Fast personal-loan funding in About 5 minutes
  • No origination charge of 0 UAH or 0%
  • Free early repayment is available
  • The loan uses a fixed rate

Cons

  • The stated annual percentage rate is 1,265.8% to 2,989.62%
  • The available term is limited to 11.3 to 12
  • Eligibility is restricted to Ukrainian citizens with specified documents and a qualifying bank card
MyCredit UA

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Ukrainian citizens with a Ukrainian passport and tax ID
  • Borrowers who hold an active personal bank card issued by a Ukrainian bank
  • People who need a small personal loan and can repay it within the short term

Who should look elsewhere

  • Borrowers seeking a long repayment period
  • Anyone outside the stated Ukrainian eligibility requirements
  • People who cannot manage the exceptionally high stated borrowing cost

Deposit protection

MyCredit UA is a direct lender offering personal loans in Ukraine, but it is not presented here as a deposit account. Its stated regulatory registration is IK No.146, registration no. 16103223. The licensing information does not state that deposits are protected, so this section should not be read as evidence of deposit insurance or any other repayment protection.

How MyCredit UA compares

Where MyCredit UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine, checked September 26, 2026
Licence in Ukraine
National Financial Services Commission (NCSF) (IK No.146, registration no. 16103223), checked September 26, 2026

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

Frequently asked questions

What type of loan does MyCredit UA offer?+

MyCredit UA offers personal loans with a fixed rate. The available borrowing amount is UAH 500 to UAH 30,000, and the term is 11.3 to 12. The stated annual percentage rate is 1,265.8% to 2,989.62%, so compare the full cost before applying.

How quickly can a MyCredit UA loan be funded?+

MyCredit UA advertises same-day funding, with a stated funding time of About 5 minutes. This is a published service feature, not a guarantee that every application will be approved or paid out at that speed.

What fees are charged for a MyCredit UA personal loan?+

The stated origination fee is 0 UAH, and the origination fee percentage is 0%. These facts cover origination charges, while the overall cost still reflects the very high stated 1,265.8% to 2,989.62% rate.

Can I repay a MyCredit UA loan early?+

Free early repayment is available. Borrowers who expect to repay before the end of the agreed schedule should check the loan terms for the relevant process, while noting that the stated annual percentage rate remains exceptionally high.

Who is eligible for a MyCredit UA loan?+

Eligibility requires Ukrainian citizens who are adults, with a Ukrainian passport, tax ID and a personal active bank card issued by a Ukrainian bank in their own name. Applicants must meet these stated identity and banking requirements.

What support channels does MyCredit UA provide?+

MyCredit UA lists phone, email and help centre for customer support. These channels include phone, email, help centre and chat access, which can be used to ask questions about eligibility, repayment or the application process.

Sources

  • mycredit.ua/ua checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Без комісії: minimum loan amount 500 UAH, maximum loan amount 30 000 UAH”

  • mycredit.ua/ua/documents-license checked September 26, 2026

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

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

MyCredit UA

MyCredit UA

Eligible Ukrainian borrowers who value fast funding and fee-free origination despite a very high borrowing rate.

9.1/10See alternatives