Starfin UA review

Interest is fixed and charged daily, and a credit commission of 10% of the loan amount is added on top. Together they push the APR to 2,572.74% to 3,369.39%, well beyond 36.5% here. The published example shows a fixed daily rate alongside the commission, and both feed that same annual figure.

Personal and payday borrowing both run UAH 1,000 to UAH 20,000 in Ukrainian hryvnia, and the term is 120. The rate is fixed, so what you repay depends on how long the money is kept rather than on market shifts. Payout goes to a bank card in the applicant's own name.

Starfin is a direct lender registered in Ukraine and listed as licensed by the National Bank of Ukraine, so it works under Ukrainian supervision rather than as an intermediary. The licence record also notes a scope reduction decision, which limits what the licence covers.

The application runs a hard credit check, so the decision rests on the full credit history rather than a soft search. Treat any approach as a formal credit application. Eligibility also requires Ukrainian citizenship, a mobile phone and a bank card issued in your own name.

Funding takes About 5 minutes, money credited to the bank card, and the lender lists same-day funding among its features. The transfer lands on a bank card held in the applicant's own name, which is also a condition of eligibility. Speed therefore depends on having the card ready.

Free early repayment is available, so clearing the balance sooner reduces the interest charged over the life of the loan. The credit commission of 10% of the amount borrowed still stands, and daily interest keeps accruing until the balance is settled.

Applicants need Ukrainian citizenship, a mobile phone and a bank card issued in their own name, and they must be adults. Starfin operates from UA, so the product is aimed at residents of that market. Age limits are checked at the application stage alongside the document requirements.

Support runs on phone, email and chat, so phone, email and chat are all listed ways to reach the lender. The legal entity behind the brand is TOV STAR FINANCE GROUP, which is the party named on the lending terms. Rate and commission questions fit a phone call or a chat.