Cashtime UA review

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

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Our verdict

Cashtime UA is a Ukrainian direct lender for people who want a car backed loan, home improvement money or a personal loan decided and paid out the same day. Borrowing runs UAH 10,000 to UAH 1,000,000 over 6 to 48, with an arrangement fee from the fee fact.

Key facts

Best for
A Ukrainian car owner, or a sole entrepreneur, who needs money on the card the same banking working day.
Loan amount
UAH 10,000 to UAH 1,000,000 (Source, checked September 26, 2026)
Term
6 to 48 months (Source, checked September 26, 2026)
Arrangement fee
From 2,000 UAH paid on issue (database checks, contract signing, manager support, vehicle pledge registry entry) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money on the card within 60 minutes (about 30 minutes to apply, about 60 minutes to credit funds on a banking working day) (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18 to 70; Ukrainian citizens or foreigners with a Ukrainian permanent residence permit; sole owner of the car; individual or sole entrepreneur (Source, checked September 26, 2026)
Loan types
Secured, Car, Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
TOV Finansova Kompaniia UNIT (LLC Financial Company UNIT), identification code 43484903 (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
cashtime.com.ua

Apps and profiles

Get the app
Google Play
Elsewhere
X

Pros and cons

Pros

  • Money reaches the card the same day, on a banking working day, after a short application
  • An arrangement fee starts low, covering database checks, contract signing, manager support and the vehicle pledge registry entry
  • Free early repayment, so a loan can be closed off early without an exit charge
  • Support runs on phone, chat and help centre

Cons

  • A hard credit check, and the lender is set up for poor credit, so a thin file can still be declined
  • Sole ownership of the car is required, which rules out joint owners
  • A single market: the lender is based in Ukraine and lends in Ukrainian hryvnia
Cashtime UA

Ready to try Cashtime UA?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Sole entrepreneurs and individuals in Ukraine who need a decision the same day
  • Car owners who are the sole registered owner and can pledge the vehicle
  • Borrowers planning home improvement work who can settle early without a charge

Who should look elsewhere

  • Anyone whose credit file cannot take a hard credit check
  • Applicants who share ownership of the car with someone else
  • People outside Ukraine, or who want a loan in another currency

Who runs it

Cashtime UA is a direct lender based in Ukraine, founded in 2020. The legal entity behind the brand is TOV Finansova Kompaniia UNIT, a financial company registered in Ukraine. It is supervised by the National Bank of Ukraine. Customers are reached through phone, chat and help centre, so help is available by phone, chat, help centre and email.

How Cashtime UA compares

Where Cashtime UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine, checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Cashtime UA?+

Loans run UAH 10,000 to UAH 1,000,000 in Ukrainian hryvnia. The repayment term is 6 to 48, so the borrowing can be spread over a longer or shorter period. Loan types include personal and car loans, plus secured lending.

What does the arrangement fee cost?+

The arrangement fee starts low and is paid on issue. It covers database checks, contract signing, manager support and the entry of the vehicle pledge in the registry. There is no interest charged on the fee itself.

How quickly do I get the money?+

Money lands on the card the same day, on a banking working day. The application stage is short and the funds are credited once the file clears, so same day funding (same day funding) is the pace that sets this lender apart from the ones next to it.

Is Cashtime UA regulated?+

The lender is supervised by the National Bank of Ukraine, the national regulator for the market it operates in. It lends as a direct lender rather than acting as a broker for other providers.

What credit history do I need?+

The lender is set up for applicants with poor credit, which is a common state for car backed borrowing. Applications run a hard credit check, so the decision is made on a full file rather than a soft search.

Can I repay the loan early?+

Yes, early repayment is free. Settling the loan off ahead of schedule does not attract an exit charge, which suits borrowers whose car backed debt is the target of a home improvement plan.

Who can apply?+

Applicants must be adults within the stated age range, and Ukrainian citizens or foreigners holding a Ukrainian permanent residence permit. Applicants can be individuals or sole entrepreneurs, and a car borrower must be the sole owner of the vehicle.

Sources

  • cashtime.com.ua checked September 26, 2026

    Backs: Features, Use cases

    “Transfer to your card within 60 minutes”

  • cashtime.com.ua/contact-us checked September 26, 2026

    Backs: Support channels

    “0800 33 33 32 free across Ukraine; Telegram; Viber; chat bot”

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

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Term

    “You can get a loan from 10,000 UAH to 1,000,000 UAH”

  • cashtime.com.ua/information checked September 26, 2026

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

    “Date and number of the state registration record of the legal entity: 03.02.2020”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Cashtime UA

Cashtime UA

A Ukrainian car owner, or a sole entrepreneur, who needs money on the card the same banking working day.

9.0/10Visit

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