Credit 365 UA review

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

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Our verdict

Credit 365 UA is a Ukrainian online lender that suits adults who need a small amount quickly and have a poor credit record. Its APR is 360% and each loan carries Commission charged on the loan amount, from 1.3% per day, so it costs far more than the personal loans most borrowers compare.

Key facts

Best for
Short term borrowing in Ukraine for adults with a poor credit record who need money the same day.
APR
360% (Source, checked September 26, 2026)
Loan amount
UAH 500 to UAH 20,000 (Source, checked September 26, 2026)
Term
7 to 30 months (Source, checked September 26, 2026)
Arrangement fee
Commission charged on the loan amount, from 1.3% per day (Source, checked September 26, 2026)
Funding time
Within 15 minutes of approval (Source, checked September 26, 2026)
Representative example
Loan 1000 UAH, term 7 days, repay 1070 UAH, APR 360% (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
Ukrainian citizens aged 18 to 75 with an active Ukrainian bank card and no overdue loans (Source, checked September 26, 2026)
Loan types
Payday, Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
TOV "AIA FINANS HRUP" (LLC AIA Finance Group), EDREOU 41184403 (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
credit365.ua

Apps and profiles

Elsewhere
youtube.comfacebook.com

Pros and cons

Pros

  • Approves for a poor credit record, so applicants with a thin file can still qualify
  • Money reaches the account Within 15 minutes of approval
  • Free early repayment, so nothing is added for settling the balance sooner
  • Support runs on phone, email and chat

Cons

  • The APR of 360% sits well above the 12% median across the site
  • Each loan also carries Commission charged on the loan amount, from 1.3% per day, and terms run 7 to 30
  • Debt consolidation is not among its loan types (payday and personal)
Credit 365 UA

Ready to try Credit 365 UA?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Ukrainian adults with a poor credit record who need a small amount the same day
  • Borrowers who already hold an active Ukrainian bank card and can clear the balance quickly
  • Anyone willing to settle a short loan early at no extra charge

Who should look elsewhere

  • Monzo Flex, whose APR runs 10% to 23%, for borrowers who can reach a cheaper personal loan
  • Cashspace, whose APR runs PHP 12 to PHP 36, for anyone who wants a lower rate of borrowing
  • Cashspace ES, whose APR of 0% costs nothing, for anyone avoiding interest entirely

How your money is protected

The brand is a direct lender, so the decision sits with the company that issues the loan rather than a broker or comparison site. The regulator named for it in Ukraine is the National Commission for Financial Services Markets. The representative example is Loan 1000 UAH, term 7 days, repay 1070 UAH, APR 360%, which sets out what is owed on a small loan.

The company behind it

The lending entity is AIA Finance Group, a Ukrainian company, and the operation runs from UA. It has been lending since 2013. Anyone with a question can reach the team on phone, email and chat, so help runs through every one of those routes rather than a single inbox.

How Credit 365 UA compares

Where Credit 365 UA is available

Available
Ukraine
Licence in Ukraine
National Commission for Financial Services Markets (NCSF), checked September 26, 2026

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

Frequently asked questions

What rate do you pay on a loan from this brand?+

The brand's APR is 360%, which sits far above the 12% median across the site. The rate type is fixed, so the cost of a loan does not shift during the agreed term. Borrowing on these terms is expensive, and the cost score for the brand reflects that.

Is there a commission on top of the interest?+

Every loan adds Commission charged on the loan amount, from 1.3% per day. That charge is separate from the interest and applies to the amount you take, so a larger loan costs more in commission as well as in interest. Repaying early is free, which limits the damage if you settle sooner than planned.

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

Loan amounts run UAH 500 to UAH 20,000, and terms run 7 to 30. The lending is short term in shape, closer to a payday advance than to a personal loan repaid across years, so the balance has to clear inside that window rather than being spread out.

Who can apply for a loan?+

Eligibility covers Ukrainian citizens, adults up to a maximum age, with an active Ukrainian bank card and no overdue loans. The credit needed is poor, so a thin credit file is the norm here rather than a barrier. Applicants need a Ukrainian bank card, which points to a single market.

How quickly does the money arrive?+

Funding runs Within 15 minutes of approval once an application is approved, and same day funding appears among the brand's features. Speed is the strong suit, and the price paid for it is Commission charged on the loan amount, from 1.3% per day on top of an APR of 360%.

Is the lender regulated?+

The regulator listed for this brand in Ukraine is the National Commission for Financial Services Markets. It is a direct lender, so the company issuing the loan is the company you deal with, and the contract sits with that entity rather than an intermediary.

Can I repay the loan early?+

Free early repayment is offered, so clearing the balance before the end of the agreed term costs nothing extra. That is worth weighing, though the total cost across the full term stays high at 360% APR and the daily commission still applies while the loan runs.

How do I get help with my account?+

Support runs on phone, email and chat, so there is a phone line, email, live chat and a help centre. The entity behind the brand is AIA Finance Group, which has lent since 2013 from Ukraine.

Sources

  • credit365.ua checked September 26, 2026

    Backs: APR, Credit needed, Founded, Headquarters, Legal entity, Lender type, Representative example, Support channels

    “Example calculation of the annual interest rate: loan amount 1000 UAH; loan term 7 days; total amount to be repaid 1070 UAH. APR - 360%”

  • credit365.ua/uk/about/docs checked September 26, 2026

    Backs: Licences

  • credit365.ua/uk/faq checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment, Funding time

    “From 500 to 20 000 hryvnias. For new clients the maximum amount is 5000 hryvnias”

  • credit365.ua/uk/micro-credit checked September 26, 2026

    Backs: Features, Loan types, Pricing model, Arrangement fee, Rate type, Term

    “The decision is made in 15 minutes and the money is transferred to your card immediately”

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

Not confirmed yet: Credit check.

Credit 365 UA

Credit 365 UA

Short term borrowing in Ukraine for adults with a poor credit record who need money the same day.

8.9/10See alternatives

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