Updated September 28, 2026 · BorrowCue Editorial Team
Kredivo vs Moneyveo UA
Kredivo vs Moneyveo UA: the differences
| Compare |  Kredivo |  Moneyveo UA |
|---|---|---|
| APR | 0% to 41.51%Lower | 3.65% to 357.77% |
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | UAH 500 to UAH 50,000 |
| Term | 1 to 24 months | 60 monthsHigher |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | 0 UAH (0% of loan amount on first Smart loan) |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | 24/7, to any Ukrainian bank card immediately after contract signing |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access |
| Loan types | BNPL, Personal, Credit line | Personal, Payday, Credit line |
| Credit check | Hard | Not confirmed |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed), Lender type (Direct lender), Origination fee (%) (0%).
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Key differences
- APR is lower at Kredivo: 0% to 41.51% vs 3.65% to 357.77%.
- Term is higher at Moneyveo UA: 60 months vs 1 to 24 months.
- Loan types: only Kredivo offers BNPL.
- Loan types: only Moneyveo UA offers Payday.
Our verdict on each
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Moneyveo UA
Moneyveo UA suits Ukrainian borrowers with thin credit files who need cash the same day, not anyone planning a long cheap loan. Rates are fixed and APR runs 3.65% to 357.77%, so the cost of borrowing depends heavily on the deal you are offered.
Score breakdown
| Area | Kredivo | Moneyveo UA |
|---|---|---|
| Cost | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 9.4APR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. |
| Offer | 8.7 | 9.8Higher |
| Trust | 9.2Higher | 8.9 |
Choosing between them
Pick Kredivo if cost, trust, and apr matter most.
Pick Moneyveo UA if offer and term matter most.
Where they rank in our lists
| Ranking | Kredivo | Moneyveo UA |
|---|---|---|
| Personal loans | 84 of 1932 | 86 of 1932 |
| Lines of credit | 12 of 328 | 13 of 328 |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 41.51% for Kredivo and 3.65% to 357.77% for Moneyveo UA.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Kredivo | Moneyveo UA |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | PT Kredivo Finance Indonesia | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) |
| Headquarters | Indonesia | Ukraine |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Kredivo | Moneyveo UA | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | 3.65% to 357.77%lowest quarter | 8.99 |
| Term | 1 to 24 monthslowest quarter | 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
Moneyveo UA
Pros
- Money lands on any Ukrainian bank card right after the contract is signed
- Free early repayment, so paying off sooner costs nothing extra
- Arrangement fee of 0 UAH (0% of loan amount on first Smart loan) on the first Smart loan
Cons
- APR of 3.65% to 357.77% tops out far above the payday median of 36.5%
- The file is built for poor credit, so poor is the target rather than a strong profile
- Term of 60 is the longest most lenders on the list offer
Who each suits
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
Moneyveo UA
Who it suits
- Ukrainian citizens with a thin credit file and an urgent bill
- Borrowers happy to take a fixed rate on a personal, payday or credit line loan
- Anyone who can settle part of the balance early without a charge
Who should look elsewhere
- Borrowers wanting the lowest cost, who should compare rates on Monzo Flex at 10% to 23%
- Anyone needing a long term, since the 60 term outruns most rivals
Current offers
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Moneyveo UA
Current offer
First period offer
First Smart loan at 0.01% per day: 0.01% per day
First Smart loan, discount period 3-20 days, up to 50 000 UAH, no issuance commission
Source, checked September 26, 2026
Bonus
We give a better deal than competitors: +10% discount versus a competitor offer
Compared with a discount offered by another service; 10% increase over the competitor discount
Source, checked September 26, 2026
First period offer
Grace period: 3 extra days to repay
Grace period on the first loan
Source, checked September 26, 2026
Country by country
| Country | Kredivo | Moneyveo UA |
|---|---|---|
| Indonesia | Yes | No |
| Ukraine | No | Yes |
Questions about each
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
Moneyveo UA
What does Moneyveo charge to borrow?+
APR runs from 3.65% to 357.77% across personal, payday and credit line loans on a fixed rate, fixed. The arrangement fee is 0 UAH (0% of loan amount on first Smart loan), so the first Smart loan carries none. Early repayment is free, which keeps the total down if the money comes back early.
How fast is the money?+
Funding runs day and night straight to any Ukrainian bank card, immediately after the contract is signed. Same day funding is one of the features listed for the brand, same day funding and credit line, which is the main reason borrowers choose it over a bank that pays out in days.
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