Microcash review

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

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Our verdict

Microcash is a Ukrainian direct lender for adults who need a small personal or payday loan today, with funds usually arriving the same day. The catch is cost: a representative rate of 7,250.89% over a term of just 3 months puts it among the priciest ways to borrow.

Key facts

Best for
Small, same day personal loans in Ukraine for borrowers with a weak credit file.
APR
7,250.89% (Source, checked September 26, 2026)
Loan amount
UAH 500 to UAH 15,000 (Source, checked September 26, 2026)
Term
3 months (Source, checked September 26, 2026)
Arrangement fee
5% of loan principal (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Usually within 5 minutes after card linking; average 15 minutes from start of registration (Source, checked September 26, 2026)
Representative example
Standard 1 loan: 1000 UAH for 90 days; repay 1890 UAH, of which 890 UAH is interest (all loan costs) (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
Citizens of Ukraine aged 18 to 65 with passport, tax ID (IPN), mobile phone and an active card issued by a Ukrainian bank; must be physically present in Ukraine when receiving the loan (Source, checked September 26, 2026)
Origination fee (%)
5% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
LLC Fintarget (TOV "Fintarget"), EDROU 41955906 (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
microcash.com.ua

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Fast payout: money usually reaches the card within minutes of linking it.
  • Free early repayment, so clearing the balance sooner adds no fee.
  • Lends to poor credit with a soft prequal check, so a damaged credit file does not rule an applicant out.

Cons

  • A representative rate of 7,250.89% sits far above the 12% recorded across the site.
  • An origination fee of 5% of loan principal is charged on top of the interest.
  • The balance is repayable over 3 months, so there is no room for a slow month.
Microcash

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Ukrainian adults with a passport, tax ID, a mobile phone and an active card from a Ukrainian bank.
  • Borrowers who need cash the same day and can clear the balance quickly.
  • Adults turned down elsewhere on credit.

Who should look elsewhere

  • Anyone after a longer, cheaper loan should compare Monzo Flex, whose representative rate runs 10% to 23%.
  • Readers who want to weigh a different market can look at Cashspace, with rates of PHP 12 to PHP 36.

Safety and regulation

Microcash is listed as a direct lender, so the loan comes from the company you apply to rather than a middleman. It is authorised by the National Bank of Ukraine, licence 1073, and registered with the National Commission for Financial Market Regulation (Ukraine), licence 1490. The representative example repays well over the amount borrowed, with interest the largest share of the cost.

Who runs it

Microcash is run by LLC Fintarget (TOV "Fintarget"), EDROU 41955906, based in Ukraine, and trading since 2018. Support runs on email, phone and help centre. The National Bank of Ukraine licence, 1073, and the National Commission for Financial Market Regulation (Ukraine) licence, 1490, sit behind the company, and both are registered in the same market borrowers apply from.

How Microcash compares

Where Microcash is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (NBU) (1073), checked September 26, 2026
Licence in Ukraine
National Commission for Financial Market Regulation (Ukraine) (1490), checked September 26, 2026

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

Frequently asked questions

What does a Microcash loan cost?+

The representative rate is 7,250.89%, far above the 12% recorded across the site. The published representative example repays well over the amount borrowed, with interest the largest share of the bill, so the headline figure is only part of the story.

Are there fees on top of the interest?+

Yes. An origination fee of 5% of loan principal is added to the loan, and the published representative example bundles all loan costs together. Free early repayment is available, so clearing the balance sooner stops the interest from building further.

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

Loans run UAH 500 to UAH 15,000 over a term of 3 months at a fixed rate, so the whole balance is repayable inside a short window. That works for an emergency, but it leaves no room to stretch repayments if your income drops.

Who can apply for a Microcash loan?+

Applicants must be citizens of Ukraine who are adults, with a passport, tax ID, a mobile phone and an active card issued by a Ukrainian bank, and they must be in Ukraine when the loan is paid out. poor credit is accepted and the check is a soft prequal.

Is Microcash regulated in Ukraine?+

Yes. Microcash appears with the National Bank of Ukraine under licence 1073 and with the National Commission for Financial Market Regulation (Ukraine) under licence 1490. It lends as a direct lender, so the contract is with the company you apply to.

How quickly is the money sent?+

Same day payout is the norm: money usually arrives within minutes once your card is linked, and the average run from starting registration is also measured in minutes. Loans run UAH 500 to UAH 15,000, so have your card and tax ID ready before you begin.

Can I repay the loan early without a penalty?+

Free early repayment is available, so settling the balance ahead of the 3 month term adds no charge. Because interest accumulates across the term, paying sooner is the practical way to bring down the total cost of a loan priced at 7,250.89%.

How do I get help from Microcash?+

Support runs on email, phone and help centre, which covers the channels most borrowers reach for first. The same routes answer questions about eligibility, card linking and repayment dates, both before the loan is drawn down and through the 3 month repayment period.

Sources

  • microcash.com.ua checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Headquarters, Legal entity, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Licences

  • microcash.com.ua/about checked September 26, 2026

    Backs: Founded

  • microcash.com.ua/faq checked September 26, 2026

    Backs: Credit check, Credit needed, Free early repayment, Lender type, Loan types, Support channels

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Microcash

Microcash

Small, same day personal loans in Ukraine for borrowers with a weak credit file.

8.7/10See alternatives

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