MyCredit UA review

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

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Our verdict

MyCredit UA is a Ukrainian direct lender for adults with poor credit who hold a passport, a tax ID and a personal bank card, and who need money quickly rather than cheaply. Funding lands in About 5 minutes and the sums on offer run UAH 500 to UAH 30,000.

Key facts

Best for
Fast personal cash for Ukrainian adults with poor credit who can clear a high-rate loan quickly.
APR
1,265.8% to 2,989.62% (Source, checked September 26, 2026)
Loan amount
UAH 500 to UAH 30,000 (Source, checked September 26, 2026)
Term
11.3 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 UAH (Source, checked September 26, 2026)
Funding time
About 5 minutes (Source, checked September 26, 2026)
Representative example
Без комісії: loan 10,000.00 UAH, term 360 days, 30-day payment frequency, 12 payments, real annual interest rate 1265.80%, total loan cost 33,030.00 UAH (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 citizens aged 18 or over, with a Ukrainian passport and tax ID (IPN) and a personal active bank card issued by a Ukrainian bank in their 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
TOV "1 BEZPECHNE AGENTSTVO NEOBYKHNYH KREDYTIV" (LLC "1 Safe Agency of Necessary Credits"), EDRPOU 39861924 (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
mycredit.ua

Apps and profiles

Get the app
Google Play
Elsewhere
facebook.com

Pros and cons

Pros

  • Same-day funding is standard, with a stated time of About 5 minutes.
  • Early repayment is free, so clearing the balance sooner costs nothing extra.
  • It is a direct lender, so your counterparty is the named company rather than a middleman.
  • Licensed by the National Financial Services Commission: IK No.146, registration no. 16103223.

Cons

  • The annual rate runs 1,265.8% to 2,989.62%, far above the 12.25% median for personal loans.
  • Terms are brief at 11.3 to 12, which leaves little room to absorb a missed payment.
  • Loan types cover personal borrowing only: personal.
MyCredit UA

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Who it suits

  • Ukrainian adults with poor credit who hold a passport, a tax ID and a personal active bank card in their own name.
  • Borrowers who need a modest personal loan today and can clear it early at no extra charge.
  • People who would rather deal with the lender itself than with a broker.

Who should look elsewhere

  • Monzo Flex, at 10% to 23%, suits borrowers who can meet its checks and want a far lower cost than 1,265.8% to 2,989.62%.
  • Cashspace ES, quoted at 0%, is worth a look when the rate matters more than speed.
  • Cashspace, at PHP 12 to PHP 36, is the cheaper route for anyone with a reasonable credit file.

Safety and regulation

MyCredit UA lends its own money rather than passing applications to other lenders, and it appears on the National Financial Services Commission register under IK No.146, registration no. 16103223. The published representative example carries no commission, and the real annual interest rate in it is the lower end of 1,265.8% to 2,989.62%, so the figure that matters is the total repaid rather than the instalment.

Who runs it

The lending contract is with a Ukrainian limited liability company whose name is a play on a safe agency of necessary credits, registered in Ukraine and trading since 2015. It appears on the National Financial Services Commission register under licence IK No.146, registration no. 16103223. Questions go to the same team through phone, email and help centre.

How MyCredit UA compares

Where MyCredit UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine, checked September 26, 2026
Licence in Ukraine
National Financial Services Commission (NCSF) (IK No.146, registration no. 16103223), checked September 26, 2026

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

Frequently asked questions

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

Loans run UAH 500 to UAH 30,000, and the term is short at 11.3 to 12. That makes it a bridge product: a modest sum on a fast schedule, with the balance shrinking quickly if payments land on time. Larger or longer borrowing is not the shape of this offer.

What will I pay in interest?+

The annual rate runs 1,265.8% to 2,989.62%, well above the 12.25% median across personal loans on the site. Treat any quote as short-term borrowing, since the cost of the credit is high and the sensible move is to clear it rather than roll it over.

Are there arrangement or setup fees?+

Arrangement fees are 0 UAH, and the published representative example is commission free as well. Early repayment is free too, so settling the loan ahead of schedule adds no charge. The cost sits almost entirely in the interest rate.

How quickly do I get the money?+

Funding is same day, and the stated time is About 5 minutes. Applications rely on a Ukrainian passport, a tax ID and an active personal card in your own name, so speed depends on having those in place before you start.

Who regulates the lender?+

The lender sits on the National Financial Services Commission register, licence IK No.146, registration no. 16103223. It is registered in Ukraine and operates as a direct lender, so there is no broker layer between you and the entity named in the contract.

Which legal entity do I deal with?+

The contract is with a Ukrainian limited liability company whose name points to a safe agency of necessary credits. As a direct lender, the same body that publishes the terms holds the account and answers questions about it, so there is no third party in between.

Who can apply?+

Applicants must be Ukrainian citizens and adults, with a Ukrainian passport and tax ID, plus a personal active bank card from a Ukrainian bank in their own name. The stated credit requirement is poor, so a thin file is expected rather than a barrier.

What support is available?+

Support runs on phone, email and help centre, covering phone, email, a help centre and chat. Questions about an application, a payment date or settling early can go through the same channels, with phone the quickest route for anything urgent.

Sources

  • mycredit.ua/ua checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Без комісії: minimum loan amount 500 UAH, maximum loan amount 30 000 UAH”

  • mycredit.ua/ua/documents-license checked September 26, 2026

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

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

MyCredit UA

MyCredit UA

Fast personal cash for Ukrainian adults with poor credit who can clear a high-rate loan quickly.

9.0/10See alternatives

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