Updated October 17, 2026 · BorrowCue Editorial Team
Selfiecredit vs SOS Credit
Selfiecredit vs SOS Credit: the differences
| Compare | Selfiecredit ReviewVisitVisit | SOS Credit ReviewVisitVisit |
|---|---|---|
| APR | from 0%Lower | 1,187% to 185,297.8% |
| Arrangement fee | немає комісії на перший кредит | 7,126 CZK total cost on an 8,000 CZK, 91-day first-loan-free loan, plus 1 CZK sent for identification |
| Credit check | None | Hard |
| Funding time | Миттєва видача кредитів на карту | Within 15 minutes |
| Loan amount | Not confirmed | CZK 1,000 to CZK 30,000 |
| Term | Not confirmed | 7 to 28 months |
| Representative example | Not confirmed | First loan free (100% discount): loan of 8,000 CZK over 91 days, fixed annual interest 0%, RPSN (APR) 1187%, total payable 15,126 CZK |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Direct lender |
| Eligibility | Not confirmed | 18+, citizen of the Czech Republic or another EU member state with permanent residence in the Czech Republic, with regular monthly income and a Czech bank account |
| Origination fee (%) | Not confirmed | 89.1% |
| Loan types | Not confirmed | Payday, Personal |
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Key differences
- SOS Credit scores higher overall: 8.7 vs 8.5.
- APR is lower at Selfiecredit: from 0% vs 1,187% to 185,297.8%.
Our verdict on each
Selfiecredit
The Ukrainian company page identifies SELFIE CREDIT and describes lending as its financial service. Its lending rules are available, but expired loyalty conditions should not be treated as current terms.
SOS Credit
SOS Credit suits Czech borrowers with regular income who need a small, fast loan and can handle steep fixed costs. It lends directly through Orange finance s.r.o. and funds within Within 15 minutes, but APR of 1,187% to 185,297.8% makes the price the thing to weigh.
Score breakdown
| Area | Selfiecredit | SOS Credit |
|---|---|---|
| Cost | 9.9Higher | 8.0APR runs 1,187% to 185,297.8% on a fixed rate, well above the 12% site median. |
| Offer | Not confirmed | 8.8 |
| Trust | Not confirmed | 9.2 |
Licences and countries
| Country | Selfiecredit | SOS Credit |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for Selfiecredit: 1. Additional countries for SOS Credit: 1.
How they place
| Ranking | Selfiecredit | SOS Credit |
|---|---|---|
| Personal loans | 162 of 1920 | 151 of 1920 |
Sources behind this comparison
Selfiecredit
- finance.ua: 5 facts, checked October 17, 2026
SOS Credit
- soscredit.cz: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Selfiecredit | SOS Credit |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | ТОВ «Селфі Кредит» | Orange finance s.r.o. (IC 04488237) |
| Headquarters | Not confirmed | Czechia |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Selfiecredit | SOS Credit | Median |
|---|---|---|---|
| APR | from 0%lowest quarter | 1,187% to 185,297.8%highest quarter | 8.95 |
| Loan amount | Not confirmed | CZK 1,000 to CZK 30,000below the median | CZK 165,000 |
| Term | Not confirmed | 7 to 28 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 89.1%highest quarter | 0.2% |
Median across 1190 listed lenders.
Pros and cons
Selfiecredit
Pros
- The company identifies its lending service and provides rules.
Cons
- Expired loyalty conditions are not reliable current terms.
SOS Credit
Pros
- Funds arrive within Within 15 minutes, one of the faster turns around in this group
- Fixed rate loans, so payments do not shift with the market
- Lends directly as direct lender rather than routing you through a broker
Cons
- APR of 1,187% to 185,297.8% is a heavy cost for a short payday or personal loan
- A hard credit check means an application can leave a mark on your file
- Lending tops out at CZK 1,000 to CZK 30,000, so larger costs need another provider
Who each suits
Selfiecredit
Who it suits
- Ukrainian borrowers reviewing SELFIE CREDIT and its lending rules.
Who should look elsewhere
- Applicants relying on expired loyalty conditions.
SOS Credit
Who it suits
- Adults with regular monthly income and a Czech bank account
- People who value a quick decision over a low price
- Borrowers who can clear a hard credit check and repay within 7 to 28
Who should look elsewhere
- Anyone wanting cheaper borrowing, since APR reaches 1,187% to 185,297.8%
- People needing more than CZK 1,000 to CZK 30,000 or a longer term than 7 to 28
- Borrowers near the Czech personal loan median of 12% who can shop elsewhere
Current offers
SOS Credit
Current offer
Discount code
First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free
New applicants; 1 CZK is sent to the client for identification when the contract is signed online
Source, checked September 26, 2026
Discount code
Automatic discount for repeat borrowers: Discount applicable to loans up to 15,000 CZK
Regular clients receive a discount automatically based on repeated requests
checked September 26, 2026
Country by country
| Country | Selfiecredit | SOS Credit |
|---|---|---|
| Czechia | No | Yes |
| Ukraine | Yes | No |
Questions about each
Selfiecredit
What kind of company stands behind SelfieCredit?+
The brand is run by a Ukrainian limited liability company with the legal name ТОВ «Селфі Кредит». It operates as an online microcredit service, so each step of its lending happens through digital channels rather than face to face meetings.
How does the service transfer funds to borrowers?+
Funds go straight to a bank card the borrower already holds. After a short online form, the money can reach the card quickly once the request has been handled, which keeps the route simple for the person receiving it.
SOS Credit
How fast does SOS Credit pay out?+
Money is sent within Within 15 minutes once a loan is approved, and same-day funding is a listed feature. Applicants are adults with regular monthly income and a Czech bank account, so the account and income details matter as much as the clock.
What does a SOS Credit loan cost?+
The annual percentage rate runs 1,187% to 185,297.8%. On a first-loan-free promotion the example shows fixed annual interest at nil, yet the total payable is still well above the amount borrowed, which is why the headline discount needs reading alongside the RPSN.