Aerocash review

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

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Our verdict

Aerocash lends directly to Ukrainian consumers with poor credit, and it moves money fast rather than cheaply. The APR of 3,350.79% to 5,560.49% dwarfs the site median of 12%, so treat it as a bridge for a short gap rather than a cheaper personal loan.

Key facts

Best for
A small, short-term bridge in Ukraine for borrowers with poor credit who need cash on their card the same day.
APR
3,350.79% to 5,560.49% (Source, checked September 26, 2026)
Loan amount
UAH 4,000 to UAH 8,600 (Source, checked September 26, 2026)
Term
360 months (Source, checked September 26, 2026)
Arrangement fee
25% of the loan amount, charged on the first day of use (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 5 minutes to the bank card (Source, checked September 26, 2026)
Representative example
Standard loan 5 000 UAH, term 360 days, 24 payments, real APR 3 350,79%, total credit cost 22 300 UAH (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Citizens of Ukraine aged 18 to 65 with a valid mobile number, own bank card and online banking access (Source, checked September 26, 2026)
Origination fee (%)
25% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
LLC Financial Company "Ukrainian Payment Center" (ED RPOU 39898755) (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
aerocash.com.ua

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.comfacebook.comt.me

Pros and cons

Pros

  • Funds reach the bank card Within 5 minutes to the bank card, with same day funding listed among its features same day funding.
  • Free early repayment is listed, so a faster payback adds no charge.
  • A direct lender direct lender with an entry in the National Bank of Ukraine State Register of Financial Institutions 27-0026/70711.
  • Support runs on email, chat and phone.

Cons

  • The credit check is hard hard, so a thin file rarely clears.
  • Loan amounts run UAH 4,000 to UAH 8,600, which covers a shortfall rather than a planned cost.
  • Repayments stretch over 360 months, well past the site term median of 36.
Aerocash

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Ukrainian citizens with their own bank card and online banking access who need a small amount on the card quickly.
  • Borrowers with a thin credit file, since the lender states it works with a poor credit profile poor.
  • Anyone who can clear the balance sooner than the schedule, because early repayment is free.

Who should look elsewhere

  • Not Monzo Flex, where the APR of 10% to 23% is a fraction of the Aerocash range 3,350.79% to 5,560.49%.
  • Not Cashspace, whose APR of PHP 12 to PHP 36 sits far below 3,350.79% to 5,560.49%.
  • Not Cashspace ES, which lists an APR of 0% against Aerocash's 3,350.79% to 5,560.49%.

How Aerocash compares

Where Aerocash is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (State Register of Financial Institutions) (27-0026/70711), checked September 26, 2026

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

Frequently asked questions

What does a loan from Aerocash cost?+

The stated APR is 3,350.79% to 5,560.49%, and a charge of 25% of the loan amount, charged on the first day of use applies from the first day of use. The published standard example matches the low end of that range, so the total credit cost of a UAH 4,000 to UAH 8,600 loan runs to several times the amount borrowed.

How long is the term?+

Repayments are spread across 360 months, which is a long stretch next to the site median term of 36. Aerocash covers both personal and payday lending personal and payday, so a short gap can still mean a long payback period.

Who can apply?+

Eligibility is limited to Ukrainian citizens who are adults, hold a valid mobile number, own a bank card in their own name and can use online banking. The lender runs a hard credit check hard and works with a poor credit profile poor.

Is the lender regulated?+

Aerocash is a direct lender direct lender run by a Ukrainian financial company and listed in the National Bank of Ukraine State Register of Financial Institutions 27-0026/70711. Its home market is UA.

How fast is the money?+

Funding is quick. Money reaches the bank card Within 5 minutes to the bank card, and same day funding is one of the listed features same day funding. That suits a bill or gap that cannot wait for a normal transfer cycle.

Can I repay early?+

Yes. Free early repayment is listed, so clearing the balance sooner adds no charge. That softens part of the cost of the APR range 3,350.79% to 5,560.49% for anyone whose income arrives faster than the schedule.

How do I get help?+

Support runs on email, chat and phone, so phone, chat, email and a help centre are all listed. That matters here, because questions about the fee and the schedule come up on every loan.

How much can I borrow?+

Loan amounts run UAH 4,000 to UAH 8,600, a narrow band that suits a shortfall rather than a planned purchase. The site median amount is €876.96, so Aerocash sits at the small end of what borrowers here take out.

Sources

  • aerocash.com.ua checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Licences

  • aerocash.com.ua/dlya-spozhyvachiv checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

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

    Backs: Credit needed, Free early repayment

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

Aerocash

Aerocash

A small, short-term bridge in Ukraine for borrowers with poor credit who need cash on their card the same day.

9.1/10See alternatives

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