Where can you get a cash loan quickly and profitably?
When a person wants to take out a large targeted loan, he often goes to the bank and does not receive money in hand at all. For example, when buying an apartment or a car, the bank immediately transfers them to the account of the seller (private person, developer, car dealership). When paying for studies at the institute, the money is immediately transferred to the account of the educational institution. When opening a business, the money will be transferred to the account of the legal entity.
However, there are other situations – when a non-targeted loan is needed, for some small expenses, for which there are no targeted programs. In such cases, you need to get a loan in cash.
Cash on credit: features
To take a cash loan from a bank is to receive money from a banking institution or microfinance organization. The amount is provided for a certain period and at a specified percentage. The borrower must return the entire amount and make the necessary interest payments specified in the contract. The bank sets more requirements for the client, often it is a certain age, income and others. But MFIs offer to get a cash loan on the day of application, with a minimum package of documents and necessary certificates.
The difference between issuing a cash loan in a microfinance organization is a short term – up to three months, a small amount (usually up to UAH 15,000 per card, UAH 5,000-10,000 in cash). A cash loan of UAH 100,000 under such conditions is available only at the bank and with proof of solvency or property collateral.
Features of taking a cash loan from an MFI are:
- the possibility to issue a cash loan in Kyiv, Kharkiv, Dnipro, Zaporizhzhia, Odesa, Poltava and other cities of Ukraine online. It is worth choosing an institution and filling out an application on the website or contacting the managers of the institution by phone;
- an application for a cash loan is available to persons without official employment, without a certificate of income and other additional documents. In most cases, this is only a passport of a citizen of Ukraine and an identification code;
- you can get a cash loan even with a bad credit history.
What is the benefit of a cash loan from an MFI?
Before applying for a cash loan, you should familiarize yourself with the benefits of the service and possible nuances. What should be considered?
The amount of the loan is calculated by the financial institution individually, if they are regular customers, then you can get more than 10,000-15,000 UAH.
The interest rate of an MFI and a bank loan in cash can differ significantly. The first do not provide money for a long term, but the interest is set for the entire period, without changes. Often this is a daily charge of 1-2 percent. Although for new customers or as a profitable offer, there is also a loan at 0 percent.
It is possible to take a cash loan at a low interest rate when applying to the bank. There are also no penalties for long-term repayment, but it is still worth reading the contract carefully. The banking institution often sets different types of loan rates, which are mostly incomprehensible to the borrower. It is important to know the monthly percentage, which determines the amount of the monthly payment. No less attention should be paid to the annual rate under the contract, because it can reach as much as 90-100 percent of the entire amount.
Under what conditions can you get a cash loan from an MFI?
MFIs, unlike banks, are ready to issue loans much easier and much faster. If you have applied for the first time – the entire process (formulation of the application, consideration and issuance of money) may take up to 1 hour. But in branches, when receiving money, the whole procedure usually takes even less time (not taking into account the possible queue).
As for the conditions – in most Ukrainian MFIs, they are approximately as follows:
- The amount that can be received is 5-10 thousand hryvnias. Some MFIs set a higher limit for first clients. When applying to the same company again, the limit may also be partially increased.
- The term for which the loan must be repaid is from 5 to 30 days. If necessary, it can be extended, but not more than by the same amount that was originally issued (that is, if you took a loan for 15 days – it can be extended for another 15 days).
To get a loan, you must take the originals of your personal identification number and passport with you. Guarantors are not required in MFIs, they can ask for a deposit, but not every company necessarily requires it.
What is needed to get a cash loan from an MFI?
In the MFI, only 2 documents are required to issue a cash loan – this is a TIN and a passport (originals). You will also need an active card of a Ukrainian bank and the number of a Ukrainian operator.
As for the requirements for the borrower – he must be over 18 years old, and that’s it. There are no other strict requirements – MFIs are ready to lend to students, the unemployed, and pensioners without any problems. Some companies will also issue money to citizens with bad credit history.
The registration process itself looks like this:
- The client chooses an MFI with appropriate conditions.
- During working hours, the client comes to the nearest branch with a passport and personal identification number.
- With the help of the manager, the client fills out the application. It specifies personal and contact data, the required amount and the planned repayment period of the loan.
- The manager checks the documents and credit history, draws up a credit agreement with all conditions, and gives it to the client for perusal and signature.
After signing the contract, the client receives the approved amount. The loan can be repaid in cash at the branch or by card transfer or through the terminal.
How can you repay a loan in cash Ukraine?
In order to conveniently and quickly repay the loan in cash, banking institutions and microcredit organizations offer several payment methods:
- terminal or ATM. With them, it is easy to deposit cash into the desired creditor’s account;
- enable automatic withdrawal of funds from a salary or other card;
- by non-cash transfer using a bank card or account;
- at the cash desk of a financial institution.
These options are simple and available in different settlements. The commission for the transfer may also differ, this should be taken into account as well. Some organizations and banks offer to create a personal account, in which you can also pay off debts and track the flow of funds.
List of companies that issue quick cash loans
Despite the fact that a large part of all Ukrainian MFIs issue loans via the Internet (not in cash, but by card transfer), there are also quite a few companies that give cash loans. Therefore, it can take a very long time to independently search for the most favorable conditions among a large list. And it is not a fact that as a result you will be able to find the most successful option.
The easiest way to choose an MFI is through the Bank-ua online comparison service. On this site, you can find conditions from Ukrainian companies that issue cash loans in their branches.
Information about our partners
| MFO | Contacts | Legal information |
| CCloan | Telephone: 0 800 750 027 38 097 583-11-77 38 093 583-11-77 38 044 222-77-33 E-mail: help@ccloan.com.ua Work schedule: around the clock | Address: Ukraine 01024, Kyiv, st. Basina, building 6 Legal name: TOV “SS Lone” EDRPOU 40071779 License of the National Financial Service Commission: No. 1127 dated 04/13/2017. Director: Natalya Valentynivna Klevakina |
| Miloan | Telephone: 38 (044) 337 36 67 E-mail: info@miloan.ua Work schedule: Issuance of loans – around the clock, Support service – From 8:00 a.m. to 8:00 p.m | Address: Kyiv, Baggovutivska, building 17-21 Legal name: LLC “Miloan” EDRPOU 40484607 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Vynychenko Oleksiy Vitaliyovych |
| Moneyveo | Telephone: 0 800 21 9393 E-mail: support@moneyveo.ua Work schedule: around the clock | Address: 01015, m. Kyiv, 15-B Leiptsyzka Street, 1st floor Legal name: OOO “MANIVEO QUICK FINANCIAL ASSISTANCE” EDRPOU 38569246 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Andronikova Olena Oleksandrivna |
| Alexcredit | Telephone: 38 (099) 618 64 64 38 (097) 618 64 64 38 (093) 618 64 64 E-mail: mail@alexcredit.com.ua Work schedule: Loans are issued around the clock Contact center: Mon – Fri from 8:00 a.m. to 8:00 p.m. Sat and Sun from 10:00 to 20:00. | Address: 49041, Dnipro, st. Yakov Samarskyi, 12-A Legal name: LLC “ALEKSKREDIT” EDRPOU 41346335 License of the National Financial Service Commission: No. 3549 dated August 17, 2017 Director: Egorov Vadim Petrovych |
| MyCredit | Telephone: 073 369 41 11 067 369 41 11 050 369 41 11 0 800 214 111 E-mail: support@mycredit.ua Work schedule: around the clock | Address: 01010, Kyiv, square Arsenalna, 1-B Legal name: LLC “1 Secure Agency of Necessary Credits” EDRPOU 39861924 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Stenzya Dmytro Vitaliyovych |
| CreditKasa | Telephone: 38 044 333 52 22 38 067 373 37 57 38 099 373 37 57 38 063 373 37 57 E-mail: info@creditkasa.ua Work schedule: weekdays from 8:00 a.m. to 9:00 p.m weekends and holidays: from 10:00 to 20:00 | Address: 01133, Kyiv, blvd. Lesi Ukrainka, 26, office 407 Legal name: LLC “UKR CREDIT FINANCE” EDRPOU 38548598 License of the National Financial Service Commission: No. 2401 dated 06/08/2017 Director: Maria Mykolaivna Hayvoronska |
| CreditPlus | Telephone: 0 (800) 753-363 E-mail: info@creditplus.ua Work schedule: Issuance of loans around the clock Support service hours: Mon-Fri: from 8:00 a.m. to 11:00 p.m Sat-Sun: from 9:00 to 21:00 | Address: 03062, Kyiv, Prospekt Peremogy 90-A Legal name: LLC “Aventus UKRAINE” EDRPOU 41078230 License of the National Financial Service Commission: No. 756 dated 03/28/2017 Director: Volodymyr Viktorovych Dovhal |
| Goufingou | Telephone: 38 (044) 390 30 31 E-mail: info@gofingo.com.ua | Address: 04071, Kyiv, Horiva St., 1A Legal name: LLC “GOUFINGOU” EDRPOU 42059219 License of the National Financial Service Commission: No. 876 dated 06/07/2018 Director: Ivashchenko Iryna Viktorivna |
| ШвидкоГроші | Telephone: 0 800 50 10 20 E-mail: info@sgroshi.com | Address: 01032, Kyiv, str. Saksaganskyi, 133-A Legal name: LLC “CONSUMER CENTER”, EDRPOU 37356833 License of the National Financial Service Commission: No. 438 dated February 28, 2017 Director: Oleksandr Volodymyrovych Kholod |
| Є-Гроші | Telephone: 0 800 300 330 Email: info@e-groshi.com Work schedule: around the clock | Address: m Dnipro, Bohdan Khmelnytskyi Avenue, building 180, office (Sq.) 211 Legal name: LLC “FINANCIAL COMPANY E MONEY” EDRPOU 43067861 License of the National Financial Service Commission: No. 1968 dated 08.10.2019 Director: Koretskaya Iryna Serhiivna |
| Ваша Готівочка | Telephone: 0800 202 404 E-mail: zayavka@limefin.com Work schedule: from 8:00 a.m. to 10:00 p.m. without days off | Address: MYKOLAIV, Pushkinska, building 28, office (Sq.) 7 Legal name: LLC Lime Capital EDRPOU 41885310 License of the National Financial Service Commission: No. 793 dated May 7, 2019 Director: Halyna Volodymyrivna Lebedeva |
| Кошельок | Telephone: +38 (044) 334 44 20 E-mail: info@koshelok.net | Address: 08135 Kyiv region, Kyiv-Svyatoshinsky district, Chaika Antonov, building 8A Legal name: LLC “KOSHELOK” EDRPOU 40842831 License of the National Financial Service Commission: No. 432 dated 28.02.2017 Director: Serhiy Serhiyovych Krylov |
| CashBerry | Telephone: 0 800 600 770 E-mail: info@cashberry.com.ua Work schedule: Monday – Friday: 08:00 – 20:00 Sat – Mon: 09:00 – 18:00 | Address: Kyiv Klovsky Uzviz, b. 7, office (Sq.) Room 103 Legal name: LLC “Financial company Invest Finance” EDRPOU 40284315 License of the National Financial Service Commission: No. 1680 dated 05/16/2017 Director: Kupriyanov Maksym Serhiyovych |
| Credit7 | Telephone: 0 800 33 07 33 E-mail: info@credit7.ua Work schedule: Mon-Fri: from 9:00 a.m. to 9:00 p.m Sat-Sun: from 9:00 to 19:00 | Address: 02081 Kyiv, Dniprovska naberezhna, 25, office (Sq.) 318 Legal name: LLC “LINEURA UKRAINE” EDRPOU 42753492 License of the National Financial Service Commission: FC certificate No. 1177 dated 03/19/2019 Director: Shchenichny Andriy Ivanovych |
| Forzacredit | Telephone: 0800300770 Work schedule: around the clock 24/7 | Address: 04080 Kyiv, Vikentia Khvoyki, 15 / 15 Legal name: LLC “FC” FORZA “EDRPOU 41762679 License of the National Financial Service Commission: No. 559 dated 04/13/2018 Director: Natalia Chebanova |
| KF.UA | Telephone: 0 800 30 08 83 Work schedule: around the clock | Address: 04080 Kyiv, Vikentia Khvoyki, 15 / 15 Legal name: LLC “FC” FORZA “EDRPOU 41762679 License of the National Financial Service Commission: No. 559 dated 04/13/2018 Director: Natalia Chebanova |
| Money4you | Telephone: 0 800 330 024 E-mail: info@money4you.com.ua Work schedule: Mon-Fri: 09:00-20:00 Sat-Wed: 10:00-20:00 | Address: 03150 Kyiv, Kazimyra Malevicha, building 87 Legal name: LLC “Manifo” EDRPOU 42848369 License of the National Financial Service Commission: No. 1198 dated 05/07/2019 Director: Oleg Vasylovich Kuzminov |
| SOS Credit | Telephone: (044) 36 36 767 0 (800) 211 767 E-mail: support@sos-credit.com.ua Work schedule: from 9:00 to 18:00 (weekdays) | Address: 23, Pochaynynska, Kyiv, 04070 Legal name: LLC “SOS KREDIT” EDRPOU 39487128 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Timofeev Yaroslav Andreyovych |
FaQ
How to take a cash loan?
In order to get a loan, you should choose the best conditions of the MFI on the Bank-ua platform. Next, send an application specifying the amount and terms. The institution should familiarize itself with it and may ask for additional information. If the answer is positive, the client receives funds within one day.
How to repay the loan in cash?
You can repay the debt in a convenient way: through a terminal, an ATM, at a cash desk in a branch, money transfer or through a personal account on the website of an MFI or a bank.
How to repay the loan in cash if there is no money?
Applying to the organization in time makes it possible to issue a credit holiday for a certain period, which will avoid late payment or a fine.
How to repay an overdue loan with cash?
The methods of repayment of overdue debt are the same as making a payment. It is important to take into account the late payment penalty and determine the full amount to repay the loan.
How to repay the loan in cash early?
Issues of early repayment are specified in the contract, each MFI offers its own conditions.
How to repay a loan with cash of a deceased person?
When receiving the inheritance of a deceased person, the person also inherits credit obligations. It is important to clarify the entire amount, with fines and interest, and to close the loan according to the specified details.
How to take a cash loan for another person?
The legislation of Ukraine prohibits issuing a loan to another person. Criminal liability for fraudulent actions is provided for the violation.
How to take a cash loan without a passport?
Some MFIs offer loans without a passport, using bank card details. However, when receiving money, this option is more difficult. Proof of identity is required (passport, driver’s license and mandatory identification code).
Where to get a cash loan if there are loans?
MFI is the best way to get a loan regardless of your credit history.
What will happen if you do not pay the loan in cash in Ukraine?
In case of non-payment, interest and fines will be accrued indefinitely. After three years, the banking institution can sue to recover the full amount.
What will happen if the loan is not paid during the war?
In case of delay, interest and fines are charged, according to the terms of the contract. Cancellation of credit terms is possible only through a court and a pledge of property – a car or a house that was damaged during military operations.
Where to get a cash loan if they don’t give?
Banks often refuse loans in the absence of proof of income or a bad credit history. It is worth turning to MFIs that have simplified lending conditions.