Is CreditPlus.UA a direct lender in Ukraine?

Public information identifies TOV “AVENTUS UKRAINE” as the direct non-bank provider behind CreditPlus. Confirm the agreement and NBU record.

What amount and term are published?

The supplier brief says UAH 15,000 for new and UAH 30,000 for repeat customers. Current pages show up to UAH 30,000 and UAH 50,000; PLUS 365 may run 345–365 days with 3–30-day payment periods. The agreement controls.

What rates and total-cost figures should I compare?

Current terms publish 1% daily; the supplier brief states 1.5% daily after promotion and for repeat loans. A qualifying first period can be 0.01%. Obtain APR or total cost, commissions and schedule in writing.

The brief describes Ukrainian citizens aged 18–65 with a phone, identity/tax details and Ukrainian card, subject to regional exclusions and creditor assessment.

Use the cabinet or app, card, bank details, internet banking, PrivatBank terminals, EasyPay or City24. Keep the receipt.

What happens if payment is late?

The agreement sets the fine. Official guidance describes up to three days without a penalty, but late payment can affect credit history; contact CreditPlus before the due date.

CreditPlus.UA offer review · Ukraine

Organization / product name	CreditPlus.UA online consumer credit (PLUS 365 and short payment-period options)
Provider type	Direct non-bank financial company; CreditPlus is the consumer-facing trademark
Actual lender or lenders	TOV “AVENTUS UKRAINE” (EDRPOU 41078230)
Available GEO	Ukraine, subject to product eligibility and the regional exclusions supplied for this review
Available currency	Ukrainian hryvnia (UAH)
Minimum loan amount	UAH 500
Maximum loan amount	UAH 15,000 for a new customer and UAH 30,000 for a repeat customer in the supplier brief; current public pages show up to UAH 30,000 first and UAH 50,000 repeat
Minimum loan term	3 days for the first selected payment period; 5 days for a repeat-customer period
Maximum loan term	Up to 30 days between interest payments; PLUS 365 contract duration is 345–365 days
Base interest rate per day	1% per day (365% nominal annual rate) on current public terms; the supplier brief states 1.5% per day after the first promotional period and for repeat loans — confirm the applicable tariff in the agreement
Base interest rate per week	Not publicly disclosed as a separate weekly tariff
Base interest rate per month	Not publicly disclosed as a separate monthly tariff
APR / total cost indicator	Varies by amount, payment period, fees and discount conditions; the signed agreement and representative example control
Promotional or reduced interest rate	0.01% per day (3.65% nominal annual rate) for the first selected period when the loyalty-program conditions are met
Conditions of the promotional rate	New customers select a first period of 3–30 days; the discount is conditional on the agreement and loyalty-program rules. Repeat customers may qualify with a bonus code
Grace period	A short delay of up to three days is described in official editorial guidance as without a penalty; the contract and current tariff control
Minimum borrower age	18 years
Maximum borrower age	65 years for a new customer and up to 70 for a repeat customer in the supplier brief; current PLUS 365 product disclosure states up to 68 years; confirm the applicable limit
Citizenship requirement	Ukrainian citizenship
Residency requirement	Residence in Ukraine; the supplier brief excludes Crimea, Donetsk, Luhansk, Mykolaiv, Kherson and most of Kharkiv and Zaporizhzhia regions
Required bank account	Applicant-owned Ukrainian bank account or card for non-cash payout
Required bank card	Active Ukrainian bank card in the applicant’s own name; the official guidance says at least UAH 1 balance may be required for verification
Income requirement	No income certificate is stated in the supplier brief; affordability and creditworthiness assessment may still apply
Employment requirement	No fixed employment condition is publicly stated
Credit-history requirements	Credit history and scoring may be assessed; no public acceptance threshold was found
Disbursement methods	Cashless transfer to the applicant’s Ukrainian payment card or bank account after electronic signing
Repayment methods	Personal cabinet or mobile app by card, bank details, internet banking, PrivatBank terminals, EasyPay and City24
Application review time	Applications are processed online 24/7; repeat-customer applications are described as taking about 7–15 minutes
Advertised time to receive funds	About 10–15 minutes after approval and electronic signing; bank processing can delay receipt
Early repayment conditions	Full or partial early repayment is available; the FAQ states full repayment can be made on any day
Extension or rollover	Available under the contract; the FAQ says accrued interest and any applicable penalties or fees must be paid for extension
Late-payment charges	The amount of any fine is stated in the individual agreement; a short delay may still affect credit history
Permitted loan purpose	Personal consumer needs; a specific restricted-purpose list is not publicly disclosed
Legal entity	Limited Liability Company “AVENTUS UKRAINE” (ТОВ «АВЕНТУС УКРАЇНА»)
Company registration number	EDRPOU 41078230
Registered address	03062, Kyiv, Beresteiskyi Avenue 90-A, Ukraine
Licence number	NBU lending licence reissued 14 March 2024; extract No. 21/592 dated 7 June 2024 records a scope change and is not a licence number
Regulator	National Bank of Ukraine (NBU)
Licence status	Current licence disclosure is published by the company; verify the live NBU register before signing
Customer-support channels	0 800 300 093, [email protected], online chat, Messenger, Telegram and Viber; published hours 08:00–22:00
Date checked	September 15, 2026

Editorial status · Approx. 9 min read · Offer checked September 15, 2026

CreditPlus.UA review summary

CreditPlus.UA is listed in the Borrow Radar Ukraine directory for people searching for a швидкий кредит, онлайн позика and мікропозика. The useful first question is what the brand actually does. CreditPlus.UA is the consumer-facing trademark of TOV “AVENTUS UKRAINE”, a Ukrainian non-bank financial company that provides credit through its own online service. The signed agreement identifies the creditor and controls the legal obligation. This review keeps that distinction visible and treats the final Ukraine agreement as the only reliable statement of who approves, funds and services the debt.

The profile describes CreditPlus.UA online consumer credit (PLUS 365 and short payment-period options). The amount wording is UAH 15,000 for a new customer and UAH 30,000 for a repeat customer in the supplier brief; current public pages show up to UAH 30,000 first and UAH 50,000 repeat; the timing note is About 10–15 minutes after approval and electronic signing; bank processing can delay receipt; and the price wording is Varies by amount, payment period, fees and discount conditions; the signed agreement and representative example control. These are orientation fields rather than a personal quote. Before accepting, record the net UAH received, annual percentage rate, fees and total repayment, each commission, the total repayment and the exact debit date. A search for “CreditPlus.UA швидкий кредит” can find a landing page, but only pre-contract information explains the obligation created by this application.

What role does CreditPlus.UA play?

CreditPlus.UA public information identifies TOV “AVENTUS UKRAINE” as the responsible financial company. Check the legal entity, NBU licence and current agreement before accepting. The registry describes the route as Direct non-bank financial company; CreditPlus is the consumer-facing trademark. That label is a research lead, not a substitute for the company that makes the credit decision, signs the contract, transfers money, calculates late charges and receives complaints. If another company receives your form first, read its privacy notice and save the consent wording before continuing.

Follow four separate stages: submission, verification, underwriting and payout. CreditPlus.UA may simplify the first stage while a participating creditor controls the last three. A positive match, text message or selector showing UAH 15,000 for a new customer and UAH 30,000 for a repeat customer in the supplier brief; current public pages show up to UAH 30,000 first and UAH 50,000 repeat does not create an entitlement. Compare the legal name, tax identifier, address, complaints contact and data controller on the website with the final agreement. Any mismatch is a reason to pause and ask for clarification.

CreditPlus.UA and the legal provider

CreditPlus.UA is the consumer trademark of TOV “AVENTUS UKRAINE” (EDRPOU 41078230). Confirm the NBU licence, product and agreement before signing.

CreditPlus.UA amount, cost and total repayment

Cost comparison for CreditPlus.UA starts with the amount that reaches your bank account, not the largest number beside an application button. The reviewed amount wording is UAH 15,000 for a new customer and UAH 30,000 for a repeat customer in the supplier brief; current public pages show up to UAH 30,000 first and UAH 50,000 repeat. Ask how principal, interest, commission, optional service, transfer charge and any extension fee combine. The price clue is Varies by amount, payment period, fees and discount conditions; the signed agreement and representative example control; reconcile it with a written representative example. annual percentage rate, fees and total repayment should be read together with the term because a short contract can make an annualised figure look extreme while still creating one difficult debit.

Build a three-line calculation before accepting: net cash received, each scheduled debit and the money left for rent, food, utilities, transport, medicine and existing debt. A “0%” or promotional first loan is conditional on amount and punctual repayment. Check the qualifying band, first-transaction rule, repeat price and late price. If the screen, email and agreement disagree, the signed agreement controls; save the versions and ask the creditor to explain the difference in writing.

Separate the supplier brief (UAH 15,000 new / UAH 30,000 repeat) from higher ceilings on current official pages.
Compare the 0.01% first-period promotion with the public 1% daily rate and the supplier brief’s 1.5% post-promotion/repeat rate, plus fees and total repayment.
Check whether the selected 3–30-day payment period or PLUS 365 changes the amount and schedule.
Confirm extension cost and the individual late-payment clause before relying on grace wording.
Save the calculator result, pre-contract information and signed agreement.

CreditPlus.UA application and eligibility

A careful CreditPlus.UA application begins with identity and privacy checks, not speed. The listed requirements are Ukrainian citizenship. A creditor may also assess regular income, existing liabilities, account ownership, fraud signals and affordability. “No salary” or “bad-credit” wording does not mean no assessment; it usually means a different data mix. The displayed maximum remains a ceiling for a route, never a promise that an applicant qualifies for it.

Before submitting, write down the amount, repayment date and income source expected to cover it. Use only the provider’s verified domain and read the aviso legal, privacy notice and pre-contract information. If CreditPlus.UA or a responding lender requests another document, check why it is necessary and who receives it. A changed term, fee or creditor is a new proposal that deserves a fresh calculation rather than a click based on the original expectation.

Open the verified CreditPlus.UA domain and choose the displayed amount and payment period.
Provide Ukrainian identity, tax, mobile and card information; ask why any extra document is needed.
Complete remote identification and affordability checks; the amount can be reduced or declined.
Read the legal entity, regional exclusions, promotion, rate, fees and total repayment before signing.
Keep the consent, offer, payout confirmation, schedule and repayment receipts.

CreditPlus.UA data sharing and credit checks

Ukraine loan forms can collect official ID, address, phone, income, bank details, account history and permissions to contact partner companies. For CreditPlus.UA, the privacy controller, processing purpose, retention period and recipients should be named before the form is completed. Necessary underwriting is different from optional advertising. Where the interface allows it, decline marketing calls, texts and email while leaving only the permission needed to process a credit enquiry. Save a screenshot of the wording and date.

CreditPlus.UA payout, repayment and late-payment risk

The funding note for CreditPlus.UA is About 10–15 minutes after approval and electronic signing; bank processing can delay receipt. Treat it as conditional because identity confirmation, underwriting, acceptance, bank cut-offs, weekends and transfer rails can change arrival time. An approval message is not money in the account until the agreement and card credit are confirmed. Check whether a fee is deducted from the principal, keep the payout confirmation and compare the net amount with the contract. Do not spend an expected transfer before the creditor confirms both approval and the amount credited.

The term note is 3 days for the first selected payment period; 5 days for a repeat-customer period–Up to 30 days between interest payments; PLUS 365 contract duration is 345–365 days. Put the due date beside salary, benefits, rent and existing debits in a Ukraine repayment budget. If cash may be short, contact the named creditor before the date and ask for written options. Extensions, returned-payment charges, collection costs, legal interest and credit-file reporting can make a small loan much more expensive. Rolling one balance into another high-cost loan often postpones the shortfall instead of curing it.

CreditPlus.UA availability and borrower rights

CreditPlus.UA is listed for Ukraine with the availability note Ukraine, subject to product eligibility and the regional exclusions supplied for this review. A website can be visible nationally while a creditor limits residence, age, income, bank, product or risk profile. Availability should therefore be checked at the same time as the named lender and current agreement. Look for a real legal entity, tax identifier, registered address, customer-service channel and complaints process. A polished interface or trade-association logo is useful context, not proof that an offer is suitable.

Read the agreement for early repayment, cancellation, formal notices and dispute escalation. Consumer rights and notice deadlines depend on the product, creditor and applicable law, so use the National Bank of Ukraine and Ukrainian consumer-credit rules or a local consumer office for current guidance. Keep copies of the form, consent screen, pre-contract sheet, agreement, payment receipts and complaints. For unresolved issues, seek qualified advice rather than relying on a marketing FAQ.

Ukraine with the supplier’s regional exclusions; confirm the live geographic check.
The supplier brief says Ukrainian citizenship and ages 18–65 for new customers and up to 70 for repeat customers, with a Ukrainian card and phone; PLUS 365 shows up to 68 years.
The supplier brief and current pages differ on amount ceilings and age; request current pre-contract information.
The NBU lending licence was reissued on 14 March 2024; verify the live register.
Use CreditPlus support and retain the agreement, schedule, receipts and complaints.

Alternatives and consumer checklist

The conditional case for comparing CreditPlus.UA is narrow: the borrower understands the legal role, can afford the complete repayment from reliable income, sees the creditor’s identity, accepts the data path and has checked the live annual percentage rate, fees and total repayment and total UAH repayment. It is a poor fit for a recurring budget gap, a request for guaranteed approval or a plan that depends on refinancing the first debit. The useful comparison is the smallest sustainable amount with a clear counterparty, not the fastest banner or highest limit.

Treat CreditPlus.UA as TOV “AVENTUS UKRAINE”’s consumer trademark, not a Borrow Radar product.
Compare the supplier’s UAH 15,000/30,000 figures with the current selector and agreement.
Confirm citizenship, age, card ownership and regional availability before applying.
Do not treat 0.01%, a 10–15-minute estimate or a displayed ceiling as guaranteed funding.
Contact CreditPlus early if a payment may be late.

Frequently asked questions

Question 1Is CreditPlus.UA a direct lender in Ukraine?: Answer
Public information identifies TOV “AVENTUS UKRAINE” as the direct non-bank provider behind CreditPlus. Confirm the agreement and NBU record.
Question 2What amount and term are published?: Answer
The supplier brief says UAH 15,000 for new and UAH 30,000 for repeat customers. Current pages show up to UAH 30,000 and UAH 50,000; PLUS 365 may run 345–365 days with 3–30-day payment periods. The agreement controls.
Question 3What rates and total-cost figures should I compare?: Answer
Current terms publish 1% daily; the supplier brief states 1.5% daily after promotion and for repeat loans. A qualifying first period can be 0.01%. Obtain APR or total cost, commissions and schedule in writing.
Question 4Who can apply?: Answer
The brief describes Ukrainian citizens aged 18–65 with a phone, identity/tax details and Ukrainian card, subject to regional exclusions and creditor assessment.
Question 5How can I repay?: Answer
Use the cabinet or app, card, bank details, internet banking, PrivatBank terminals, EasyPay or City24. Keep the receipt.
Question 6What happens if payment is late?: Answer
The agreement sets the fine. Official guidance describes up to three days without a penalty, but late payment can affect credit history; contact CreditPlus before the due date.

Official sources used

Source record checked September 15, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

Continue with the Compare Ukraine offers → or read the Borrow Radar methodology.

Loan terms and borrower eligibility