Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Moneyveo UA
Where Lendela and Moneyveo UA differ
| Compare |  Lendela |  Moneyveo UA |
|---|---|---|
| APR | up to 48% | 3.65% to 357.77% |
| Loan amount | SGD 1,000 to SGD 200,000 | UAH 500 to UAH 50,000 |
| Term | 3 to 72 monthsHigher | 60 months |
| Arrangement fee | SGD 0 | 0 UAH (0% of loan amount on first Smart loan) |
| Funding time | Around 1-2 days from application to disbursement; some within hours | 24/7, to any Ukrainian bank card immediately after contract signing |
| Lender type | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Payday, Credit line |
| Credit needed | Fair | Poor |
| Credit check | None | Not confirmed |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Moneyveo UA scores higher overall: 9.3 vs 8.5.
- Founded is lower at Moneyveo UA: 2013 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 60 months.
- Support channels: only Moneyveo UA offers Chat.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
- Loan types: only Moneyveo UA offers Payday, Credit line.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Moneyveo UA |
|---|---|---|
| Cost | Not confirmed | 9.4APR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 9.8Higher |
| Trust | 8.2 | 8.9Higher |
Where each is licensed and available
| Country | Lendela | Moneyveo UA |
|---|---|---|
| Ukraine | Not confirmed | National Bank of Ukraine (NBU) 27-0025/18457 |
Additional countries for Lendela: 2. Additional countries for Moneyveo UA: 1.
Choosing between them
Pick Lendela if term matter most.
Pick Moneyveo UA if offer and trust matter most.
Ranges side by side
| Fact | Lendela | Moneyveo UA |
|---|---|---|
| APR | up to 48% | 3.65% to 357.77% |
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 72 months for Lendela and 60 months for Moneyveo UA.
Sofkredit reviewWhat we checked
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Moneyveo UA
- moneyveo.ua: 18 facts, checked September 26, 2026
How they place
| Ranking | Lendela | Moneyveo UA |
|---|---|---|
| Personal loans | 74 of 1932 | 86 of 1932 |
| Loans for bad credit | 42 of 275 | 49 of 275 |
| Lines of credit | 10 of 328 | 13 of 328 |
Every fact side by side
| Fact | Lendela | Moneyveo UA |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Lendela Pte. Ltd. | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) |
| Headquarters | Singapore | Ukraine |
| Founded | 2018 | 2013Lower |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Lendela | Moneyveo UA |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Moneyveo UA | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 3.65% to 357.77%lowest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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
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 | Lendela | Moneyveo UA |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Ukraine | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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