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Starfin UA review

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

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Our verdict

Starfin UA lends in Ukraine to borrowers who need a small sum fast, with funding that takes About 5 minutes, money credited to the bank card. The price is the trade: 2,572.74% to 3,369.39% on top of a credit commission, so it suits only those who clear the balance early.

Key facts

Best for
Quick, small borrowing in Ukraine for someone who can repay inside the term and values speed over a low rate.
APR
2,572.74% to 3,369.39%↗
Loan amount
UAH 1,000 to UAH 20,000↗
Term
120 months↗
Arrangement fee
10% of the loan amount (one-off credit commission)↗
Credit check
Hard↗
Funding time
About 5 minutes, money credited to the bank card↗
Representative example
Star loan of 1 000 UAH for 120 days: one-off fee 10% = 100 UAH, interest 1 080 UAH, total to repay 2 180 UAH; rate 0.9% per day, APR 3 369.39%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ukrainian citizenship, age 18 to 70, mobile phone and a bank card issued in the client's own name↗
Origination fee (%)
10%↗
Loan types
Personal, Payday↗
Legal entity
TOV "STAR FINANCE GROUP" (TОВ "СТАР ФАЙНЕНС ГРУП"), EDDRPOU 44022416↗
Headquarters
Ukraine↗
Support channels
Phone, Email, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
starfin.com.ua

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXminfin.com.uafinance.uag.page

Pros and cons

Pros

  • Funding takes About 5 minutes, money credited to the bank card, with same-day funding listed among the features.
  • Early repayment is free, so closing the balance ahead of schedule adds no charge.
  • Support covers phone, email and chat, and the rate is fixed, so the daily charge does not shift during the term.

Cons

  • 2,572.74% to 3,369.39% is the cost of that speed, while the payday loans median sits at 36.5%.
  • A credit commission of 10% of the loan amount (one-off credit commission) is charged on top of the interest, so the repayable total runs well past the headline rate.
  • The credit check is hard, so an application records a full search on the credit file.
Starfin UA

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Ukrainian residents with citizenship, a mobile phone and a bank card in their own name, who need cash the same day.
  • Borrowers who can repay within 120 and clear the balance sooner if they can, since early repayment is free.
  • Anyone comfortable paying 2,572.74% to 3,369.39% in exchange for About 5 minutes, money credited to the bank card funding.

Who should look elsewhere

  • Borrowers after a cheap instalment loan: Sofkredit runs 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both far below 2,572.74% to 3,369.39%.
  • Anyone who needs a larger or non-hryvnia loan: Creduma ES lends from €12,000, while amounts here run UAH 1,000 to UAH 20,000.
  • Borrowers who will not clear the balance inside 120, since daily interest keeps building on the commission.

Deposit protection

Starfin UA is a lender, not a deposit taker, so the question is who you are lending to rather than what a scheme would pay out. The company holds a National Bank of Ukraine licence, and the licence on record had its scope reduced. It operates as a direct lender (direct lender), which means the borrower contract sits with Starfin UA itself. The published representative example is the clearest picture of what a loan costs.

How Starfin UA compares

Where Starfin UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (21/768-рк (scope-reduction decision 18.07.2025; licence extract 27-0026/56036)), checked September 26, 2026

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

Frequently asked questions

What does a Starfin UA loan cost?+

Cost has a rate element and a separate charge. The rate runs at 2,572.74% to 3,369.39% and a credit commission of 10% of the loan amount (one-off credit commission) is added when the loan is issued. The published representative example shows a small loan where that commission plus daily interest leaves the repayable total well over the amount borrowed. Repay before the term ends and no extra charge applies.

How fast do I get the money?+

Money is credited to the bank card, with funding that takes About 5 minutes, money credited to the bank card. Same-day funding is listed among the features, which is the reason people accept 2,572.74% to 3,369.39% for a short sum. You need a mobile phone and a bank card issued in your own name for the transfer to land.

Is Starfin UA regulated?+

Yes, the National Bank of Ukraine licenses the lender, and the licence on record had its scope reduced. Starfin UA operates as a direct lender (direct lender), so your agreement is with the company itself rather than a broker. The entity behind the brand is TOV Star Finance Group, a Ukrainian limited liability company.

Do I need a good credit score?+

Applications run a hard credit check, so the decision rests on your credit file. Eligibility also asks for Ukrainian citizenship, a mobile phone and a bank card issued in your own name, and applicants have to be adults. A hard check means the search stays on the record.

How much can I borrow and for how long?+

Amounts run UAH 1,000 to UAH 20,000 and the term is 120. The lender offers personal and payday products, personal and payday, at a fixed rate, so the daily cost does not change across the loan. Payments go back to the card the money arrived on.

Can I repay the loan early?+

Early repayment is free, so there is no penalty for closing the balance before the agreed date. That is worth more here than at a cheaper lender, because 2,572.74% to 3,369.39% dominates the cost and the rate is fixed. Clearing the loan early cuts the number of days that interest runs.

How do I reach support?+

Support runs on phone, email and chat, so phone, email and chat all reach the same team. Because the lender deals with you directly (direct lender), questions about the application or the balance go to the company that issued the loan rather than an intermediary.

Sources

  • starfin.com.ua checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Headquarters, Legal entity, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Licences

  • starfin.com.ua/about-us checked September 26, 2026

    Backs: Features, Lender type

  • starfin.com.ua/promo/vidhuk-za-znyzhku checked September 26, 2026

    Backs: Support channels

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

Starfin UA

Starfin UA

Quick, small borrowing in Ukraine for someone who can repay inside the term and values speed over a low rate.

9.1/10Visit