CreditPlus UA review

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

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Our verdict

CreditPlus UA suits Ukrainian borrowers with poor credit who want a fixed-rate personal loan funded straight to their card. Loans of UAH 500 to UAH 30,000 are paid out the same day, and the National Bank of Ukraine registers the lender, though the cost of the credit is high.

Key facts

Best for
Borrowers with poor credit who need a same-day fixed-rate personal loan in Ukraine.
APR
1,244.55% to 3,546.38% (Source, checked September 26, 2026)
Loan amount
UAH 500 to UAH 30,000 (Source, checked September 26, 2026)
Term
345 to 365 months (Source, checked September 26, 2026)
Arrangement fee
0 UAH (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money to the card right after signing the electronic loan agreement; decision in up to 15 minutes for a first loan, up to 5 minutes for a repeat one (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 citizenship, age 18-68 for a first loan and 18-70 for a repeat loan, mobile phone, passport or ID card plus tax ID, and an active payment card of any Ukrainian bank issued in the borrower's own name (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Aventus Ukraine LLC (EDDRPOU 41078230) (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2017 (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, Credit line
Official website
creditplus.ua

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.com

Pros and cons

Pros

  • Direct lending at a fixed rate, with the same cost across the whole 345 to 365 term.
  • No arrangement fee: 0 UAH, and a percentage fee of 0%.
  • Free early repayment, so settling the balance sooner adds nothing.
  • Licensed by the National Bank of Ukraine, with help on email, chat and phone.

Cons

  • The term of 345 to 365 sits alongside an annual rate of 1,244.55% to 3,546.38%, so the cost of the credit is steep.
  • A hard credit check, so a rejected application is recorded on your file.
  • Eligibility needs a Ukrainian payment card in your own name, plus citizenship, a phone and a passport or ID card with tax ID.
CreditPlus UA

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Ukrainian adults with a poor credit history who are paid into a bank card and need money quickly.
  • Borrowers who want to clear a fixed-rate loan early without paying a fee.
  • Repeat borrowers, who are decided faster than a first-time applicant.

Who should look elsewhere

  • Monzo Flex, where rates run 10% to 23% rather than 1,244.55% to 3,546.38%.
  • Cashspace, which quotes PHP 12 to PHP 36 on its headline rate, a long way under 1,244.55% to 3,546.38%.

How CreditPlus UA compares

Where CreditPlus UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (Financial institution registration certificate series FCK No.870 of 28.02.2017), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a CreditPlus UA loan?+

The annual figure runs 1,244.55% to 3,546.38% and the model is fixed rate, so the same rate applies across the whole 345 to 365 term rather than resetting later. It is a personal loan priced at a fixed rate and funded to a bank card.

Is there an arrangement fee on top of the interest?+

The arrangement fee on the personal loan is 0 UAH, and the percentage charge is 0%, so nothing is added for setting the loan up. Interest at 1,244.55% to 3,546.38% is the only recurring cost, and early repayment is free, so clearing the balance sooner adds no charge.

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

Borrowing runs UAH 500 to UAH 30,000, with a term of 345 to 365. The product is personal and a credit line feature sits alongside it, so both a fixed sum and a revolving limit are on offer. Pricing is fixed rate, so the rate is set when the agreement is signed.

How quickly do I get the money?+

Funding is the same day. Money reaches your card right after you sign the electronic loan agreement, with the decision in a short window and quicker for a repeat loan than a first one. The same day funding and credit line list includes same-day funding.

Who can apply for a CreditPlus UA loan?+

Applicants need Ukrainian citizenship, a mobile phone, a passport or ID card with a tax ID, and an active payment card from any Ukrainian bank held in their own name. Applicants must be adults, and the UA listing keeps the product inside Ukraine, aimed at a poor credit band.

Will applying leave a mark on my file?+

The credit check is hard, so an application is a full check rather than a soft one and the search is recorded on your file. The poor band means the product targets borrowers with a poor credit history, which is where it differs from mainstream lenders.

Is the lender regulated in Ukraine?+

The lender is registered with the National Bank of Ukraine as a financial institution and trades as Aventus Ukraine LLC (EDDRPOU 41078230). It is a direct lender, so the loan comes straight from the lender rather than through a broker or marketplace, and the regulator sits in Ukraine.

What support do I get around a loan?+

Help runs on email, chat and phone, so a call, live chat, email or the help centre all work, which matters when you are waiting on a decision. Founded in 2017, the lender also offers a credit line feature for repeat borrowing.

Sources

  • creditplus.ua checked September 26, 2026

    Backs: Credit needed, Features, Founded, Funding time, Arrangement fee, Origination fee (%), Support channels

    “We review 100% of applications, including applications from clients with a troubled credit history”

  • creditplus.ua/kredytni-produkty checked September 26, 2026

    Backs: Loan amount, APR, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Term

    “First loan amount: from 500 to 30,000 UAH”

  • creditplus.ua/pitannya-ta-vidpovidi checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment

    “The company passes information on client loans to the Credit History Bureau (UBKI); pass verification through Bank ID NBU or a passport photo”

  • kis.bank.gov.ua/Home/SrchViewLic/30000001008453 checked September 26, 2026

    Backs: Licences

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

Not confirmed yet: Representative example.

CreditPlus UA

CreditPlus UA

Borrowers with poor credit who need a same-day fixed-rate personal loan in Ukraine.

9.1/10Visit

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