Finbert UA review

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

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Our verdict

Finbert UA is a Ukrainian direct lender for adults with a fair credit profile who need a modest personal loan the same day. Borrowing runs UAH 3,000 to UAH 8,600 over 12, so the trade is speed against a short term with a hard credit check.

Key facts

Best for
Fast, small personal loans for Ukrainian adults with a fair credit profile.
APR
3.65% to 365% (Source, checked September 26, 2026)
Loan amount
UAH 3,000 to UAH 8,600 (Source, checked September 26, 2026)
Term
12 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
About 10 minutes from application to money on the card (application review up to 15 minutes for new clients) (Source, checked September 26, 2026)
Representative example
Product Найкращий: UAH 3500 for 360 days at 1.0% per day (365.0% p.a.), interest UAH 12600, total to repay UAH 16100 (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
Adult citizens of Ukraine only; passport, tax ID, own-name bank card, mobile phone and email; no service in areas of hostilities or temporarily occupied by the Russian Federation (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
LLC Financial Company Hvadiana (TOV FK Hvadiana), EDDRPOU 42016442 (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
finbert.ua

Apps and profiles

Elsewhere
facebook.comt.me

Pros and cons

Pros

  • The origination fee is 0 UAH and the percentage fee is 0%, so setting the loan up costs nothing beyond interest.
  • same day funding lists same-day funding, so an approved loan can reach the card the same day.
  • Free early repayment, so clearing the balance sooner costs nothing extra.
  • It lends as a direct lender holding a National Bank of Ukraine financial company registration certificate.

Cons

  • The rate is the main cost, as APR runs 3.65% to 365% and the top of the range is expensive.
  • The credit check is hard and the level it looks for is fair, so a damaged file has little chance.
  • Borrowing is capped at UAH 3,000 to UAH 8,600 over 12, a short window that leaves little room to spread the interest.
Finbert UA

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Adults in Ukraine whose credit sits at the fair level and who need a modest sum quickly.
  • Borrowers who can outpace the daily interest, since free early repayment costs nothing.
  • Applicants who already hold a passport, tax ID, an own-name bank card, a mobile phone and email.

Who should look elsewhere

  • Anyone borrowing more than UAH 3,000 to UAH 8,600, who should compare Monzo Flex at 10% to 23% instead.
  • Residents of areas of hostilities or of areas temporarily occupied by the Russian Federation, which Finbert UA does not serve.
  • Applicants wanting a longer repayment window, since the 12 term is among the shortest in this group.

How Finbert UA compares

Where Finbert UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (NBU) (Financial company registration certificate FC No. 1154 of 03.01.2019, registration number 13103894), checked September 26, 2026
Licence in Ukraine
National Bank of Ukraine (NBU) - State Register of Financial Institutions (Extract No. 27-0026/55533 of 22.07.2024), checked September 26, 2026

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

Frequently asked questions

What does Finbert UA lend, and for how much?+

Finbert UA offers personal loans of UAH 3,000 to UAH 8,600 for home improvement, at a fixed rate over 12. The band of 3.65% to 365% is where the cost sits: its representative example shows total repay well above the amount borrowed, because interest runs daily.

What does it cost to open the loan?+

The origination fee is 0 UAH and the percentage fee is 0%, so there is no charge for setting the loan up. Interest is the only cost to weigh, and it accrues daily, so the total repay figure in the example sits far above the amount borrowed.

How quickly does the money arrive?+

The same day funding list includes same-day funding, and the stated timing runs from application to money on the card in minutes rather than days. New clients can expect a longer review before the money moves.

What credit check does it run?+

The credit check is hard and the profile it looks for is fair, so a thin or damaged file is likely to hold up an application. Applicants also need a passport, tax ID, an own-name bank card, a mobile phone and email.

Is the lender regulated?+

It is a financial company based in Ukraine that holds a registration certificate from the National Bank of Ukraine and appears in the State Register of Financial Institutions, so it lends in its home market rather than passing applications to a broker.

Who can apply?+

Only adult citizens of Ukraine, holding a passport, tax ID, an own-name bank card, a mobile phone and email. The credit level it looks for is fair, and areas of hostilities or temporary occupation are not served.

Can the loan be repaid early?+

Yes, free early repayment means settling sooner carries no extra charge. With a term of 12, a borrower who repays ahead of schedule saves the interest that would otherwise run to the end.

How do I get help?+

Support runs on email, phone and chat, so phone, chat, email and a help centre are all available. Questions on the rate, the documents needed or the repayment schedule can go through any of those channels.

Sources

  • finbert.ua checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Loan types, Pricing model, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

  • finbert.ua/about checked September 26, 2026

    Backs: Arrangement fee

  • finbert.ua/faq checked September 26, 2026

    Backs: Features, Free early repayment, Funding time

  • finbert.ua/pravova-informacia checked September 26, 2026

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

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

Finbert UA

Finbert UA

Fast, small personal loans for Ukrainian adults with a fair credit profile.

9.2/10Visit

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