Cly UA offer review

Cly UA review summary

CLY is listed in the Borrow Radar Ukraine directory for readers comparing an online microcredit. The official information PDF identifies TOV “CLY INVEST” (ТОВАРИСТВО З ОБМЕЖЕНОЮ ВІДПОВІДАЛЬНІСТЮ «КЛАЙ ІНВЕСТ») as the financial company behind the CLY consumer brand. That is a materially different fact from a lead form or a generic comparison page: the named company in the agreement is responsible for the credit decision, disbursement, repayment administration and complaint route.

The current CLY lending-conditions sheet describes a 90-day microcredit of UAH 5,000–8,000, a fixed 0.72% daily rate, a 25% issuance commission and a real annual percentage rate of 4668% for the stated example. The homepage also presents automated decisions and rapid card transfer. These are orientation points, not a personal quote: identity checks, affordability assessment, bank processing and the signed agreement control the final amount and timing. An older official information PDF describes UAH 4,000 to a salary-linked ceiling, so that historical wording is recorded as a contradiction rather than silently merged with the current sheet.

What role does Cly UA play?

The reviewed primary documents describe CLY as the consumer-facing brand of TOV “CLY INVEST”, a Ukrainian non-bank financial company with a lending licence issued by the former National Commission for State Regulation of Financial Services Markets and reissued after the name change. Nothing in the reviewed contract suggests that CLY is merely a broker passing the form to an unnamed partner. Nevertheless, the final electronic agreement remains the decisive record: check the legal creditor, company code, address, licence wording and who receives your payments before accepting.

The journey has distinct stages: application, identity confirmation, credit-bureau or scoring consent, automated decision, electronic contract and cashless transfer. The provider brief says its automated system can reach a decision in five to ten minutes and later applications may take about one minute. Speed does not create an entitlement. A positive screen, SMS or pre-filled limit is not money in the account until the agreement is signed and the credited amount is confirmed. If the legal name changes during the flow, pause and ask why.

Cly UA amount, cost and total repayment

The current product sheet is unusually clear about the core price: 0.72% per day, fixed, plus a 25% commission for issuing the credit. Its real annual percentage rate is 4668% for a 90-day example. Do not turn that annual figure into a daily rate by dividing it; the official daily rate is already stated, while the real annual figure is a separate regulatory cost indicator. Compare the cash that reaches the card with the principal, the commission, accrued interest and every scheduled payment.

A sensible comparison uses a written example rather than the largest selector value. Record UAH 5,000 or UAH 8,000 only as the current published range, not as a promise. The live calculator can show payment dates at 14-day intervals; check the total due, seven-payment structure if displayed, and the exact final date. The older PDF’s UAH 4,000 and salary-linked ceiling is not a second current product: it is an earlier disclosure that should prompt clarification if it appears in the application flow.

1. Open the verified cly.com.ua domain and save the current conditions PDF.
2. Compare the UAH 5,000–8,000 range with the principal actually credited to the card.
3. Add the fixed 0.72% daily interest and 25% issuance commission to the written total-repayment example.
4. Check the 14-day payment rhythm, final due date and whether any fee is deducted before transfer.
5. Keep the calculator result, pre-contract information and signed agreement together.

Cly UA application and eligibility in Ukraine

The current lending-conditions sheet states that the borrower must be 18–65. The provider brief and official information describe a Ukrainian route, and the reviewed documents refer to Ukrainian residence or registration and a Ukrainian payment card. An identity document, phone number and accurate personal information are sensible baseline requirements; the lender may request additional evidence when assessing creditworthiness. No fixed income threshold or employment category is published in the current sheet, so do not interpret a simple online form as a promise that income will not be examined.

The practical application sequence is short but not consequence-free. Enter only the amount you can repay from a known income source, confirm that the card belongs to you, read the data-consent wording and inspect the creditor shown before signing. The five-to-ten-minute provider estimate and the approximately one-minute repeat-customer claim are marketing timing statements. Verification, a credit-bureau response, a fraud flag, bank cut-offs or a manual review can change both the time and the outcome.

Cly UA data sharing and credit checks

The official rules explain that the applicant starts in a personal account, confirms personal-data processing and may authorise checks with credit bureaus and BankID-style identity services. In plain language, the form can connect identity, address, phone, card and credit-history data to an automated assessment. Before submitting, identify the data controller, the purposes, retention period and recipients. Separate essential underwriting consent from optional marketing contact wherever the interface allows.

Automated scoring is useful for speed but opaque by design. Ask whether an enquiry is recorded, how an inaccurate bureau entry can be corrected and whether a missed payment can be reported. Use the verified domain, protect one-time bank codes and never send a card PIN. If another company is named as data recipient or creditor, save that screen because it changes the counterparty you are evaluating.

Cly UA payout, repayment and late-payment risk

CLY’s homepage describes a card transfer after an automated decision, while the product documents frame the service as a cashless consumer loan. Treat the five-minute transfer wording as conditional: the final amount, identity confirmation, card checks, bank rail and working-day cut-offs all matter. Compare the net amount credited with the principal in the contract, because a commission or other charge can affect what reaches the card. Do not spend an expected transfer before the bank confirms it.

The current contract does not allow a unilateral extension and says the borrower cannot initiate an addendum to extend the credit term. The current extracts reviewed for this article do not give a complete late-charge tariff; the signed agreement and Ukrainian law control. Put each 14-day payment beside salary and essential bills. If a payment may be missed, contact CLY INVEST before the due date and request written options instead of covering the first balance with another high-cost loan.

Cly UA availability, complaints and borrower rights

CLY is presented for Ukraine. The provider brief excludes Kharkiv, Donetsk, Luhansk, Zaporizhzhia, Mykolaiv and Kherson regions and Crimea, while the official information also refers to uncontrolled or occupied territories. Treat the detailed list as a provider statement to verify at application, not as a permanent legal map. A website can be reachable while a particular region, card, age band or risk profile is declined.

The official documents publish a Kyiv address, telephone numbers, email and a right to request contract copies. They also describe a 14-calendar-day right to withdraw from the consumer-credit agreement, subject to written notice and repayment of the principal and accrued interest; that is a cancellation right, not a free payment holiday. Keep every PDF, consent screen, payment receipt and complaint. For regulatory guidance, use the National Bank of Ukraine rather than an affiliate summary.

• Current product sheet: UAH 5,000–8,000, 90 days, 0.72% fixed daily rate, 25% issuance commission and 4668% real annual rate.
• Current age range: 18–65; Ukrainian residence, identity and an own payment card are part of the documented route.
• Provider brief territorial exclusions should be checked live; official documents also restrict uncontrolled or occupied territories.
• The contract disallows unilateral extension and a borrower-initiated addendum for extending the term.
• The licence and company documents are published, but re-check the live NBU register before relying on status.

Borrow Radar view: when Cly UA may fit

Cly UA may be worth comparing only when the borrower understands that TOV “CLY INVEST” is the named financial company, can afford the full repayment from reliable income and has checked the current 0.72% daily rate, 25% issuance commission, 4668% real annual rate, 90-day term and payment dates. It is a poor fit for a recurring budget gap, a guaranteed-approval expectation or a plan that depends on extending the first loan.

Before applying, compare a bank overdraft, an employer advance, a payment arrangement with the biller, a credit union or free debt advice. Use the smallest amount that solves a defined expense and leave room for rent, food, utilities and existing obligations. Borrow Radar is an independent research directory, not a lender or legal adviser; it does not approve applications, set CLY’s terms or promise that a displayed range will be offered.

• Confirm the current electronic agreement names TOV “CLY INVEST” as creditor.
• Use the current 5,000–8,000 UAH sheet and treat the older 4,000-to-salary-linked PDF as a dated contradiction.
• Budget the 25% commission and 0.72% daily interest before considering the 90-day schedule.
• Verify your region, age, card ownership and data-consent choices at the live application.
• Contact the creditor early if repayment may be difficult; do not assume extension or a late-fee waiver.

Frequently asked questions about Cly UA

Question 1Is CLY a direct lender?

Answer

Yes. The reviewed documents identify TOV “CLY INVEST” as the financial company and CLY as its consumer brand. Confirm the legal creditor in the agreement.

Question 2How much can I borrow?

Answer

The current lending-conditions sheet states UAH 5,000–8,000 for a 90-day microcredit. An older official information PDF describes a different minimum, so the current sheet and agreement control.

Question 3What are the current rate and cost?

Answer

The current sheet states a fixed 0.72% daily rate, a 25% issuance commission and a real annual percentage rate of 4668% for its 90-day example.

Question 4Who can apply?

Answer

The current sheet states Ukrainian borrowers aged 18–65 with an eligible payment card. Residence, identity, credit-history and affordability checks also apply.

Question 5How are funds received and repaid?

Answer

Funds are described as a cashless transfer to a verified Ukrainian card. Card payment in the personal account is available; follow the current schedule and agreement.

Question 6Can the term be extended?

Answer

No. The contract does not allow unilateral extension and says the borrower cannot initiate an addendum to extend the credit term.

Official sources used

Source record checked September 16, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.