Is ReCredit UA a direct lender?

ReCredit is the brand of TOV “Kreditservice”, EDRPOU 41125531, a Ukrainian non-bank financial company. Check the creditor printed in the current agreement; a credit intermediary may assist with a particular route, but the contracting entity is decisive.

How much can I refinance?

The supplier brief gives UAH 7,000–30,000. Official information also discusses total refinanced debt up to UAH 40,000 and product-specific limits. The live passport and agreement determine the amount offered.

What rate and total cost apply?

The supplier average is 0.49% per day, with 0.33% described for an early-payment condition. Official pages state 0.5% per day for new customers, 0.4% for returning customers, monthly commissions of 2% or 3%, and real annual rates of 615%–3,400% by product.

The supplier describes a preferred 23–55 age range and a list of Ukrainian cities and oblasts. A universal public minimum, maximum and income threshold were not found. Identity, residence, financial position and repayment capacity are assessed.

How do I receive and repay?

Funds are transferred cashlessly to a personal card or IBAN. The site lists City24, EasyPay, online banking, bank transfer, card payment and Nova Poshta where available.

What if I may miss a payment?

Contact ReCredit before the due date, request written options and keep records. The exact current penalty was not independently confirmed; the individual agreement and Ukrainian law control.

ReCredit UA offer review · Ukraine

Organization / product name	ReCredit consumer-credit line for refinancing microloans (ReCredit-S and ReCredit-L)
Provider type	Direct non-bank financial company and consumer lender; not a comparison broker
Actual lender or lenders	TOV “Kreditservice” (ТОВ «Кредитсервіс»), EDRPOU 41125531
Available GEO	Ukraine; supplier brief lists Odesa, Dnipro and 16 Ukrainian oblasts; confirm residence in the live route
Available currency	Ukrainian hryvnia (UAH)
Minimum loan amount	UAH 7,000 according to the supplier brief
Maximum loan amount	UAH 30,000 according to the supplier brief; official pages discuss total refinanced debt up to UAH 40,000
Minimum loan term	3 months according to the supplier brief; official product scheme lists 3, 4, 5, 6, 9 and 12 months
Maximum loan term	12 months on current product information
Base interest rate per day	Supplier average 0.49% per day; official pages state 0.5% for new customers and 0.4% for returning customers
Base interest rate per week	Not publicly disclosed as a separate weekly rate
Base interest rate per month	Not publicly disclosed as a separate monthly rate; official pages instead disclose a 2% or 3% monthly commission by term
APR / total cost indicator	Official product page: 615%–3,400% real annual rate; supplier brief: approximately 1,300%–2,305%; exact agreement controls
Promotional or reduced interest rate	Supplier average 0.33% per day when payment is made three days before the schedule; official promotions are product-specific
Conditions of the promotional rate	Depends on product, customer status, term and punctual payment; the individual passport and agreement control
Grace period	No universal payment holiday; the Ukrainian homepage mentions a seven-day force-majeure grace arrangement
Minimum borrower age	Not publicly disclosed as a universal minimum; supplier says 23–55 is a preferred age range
Maximum borrower age	Not publicly disclosed as a universal maximum; supplier says 23–55 is a preferred age range
Citizenship requirement	Ukrainian citizenship or other status accepted under the current application and agreement
Residency requirement	Residence in the service area accepted by the current route; supplier list covers named cities and oblasts
Required bank account	Own Ukrainian bank account or card account; online contracts up to UAH 40,000 can use BankID
Required bank card	Own Ukrainian bank card or account for a cashless payout
Income requirement	Repayment capacity and financial position are assessed; no fixed public income threshold
Employment requirement	No universal formal-employment rule was found; affordability and documents are assessed
Credit-history requirements	Credit history and overdue debt may be checked; supplier says applications with current overdue debt over 30 days are not considered
Disbursement methods	Cashless transfer to a personal card or IBAN; contracts over UAH 40,000 may require office or video verification
Repayment methods	City24, EasyPay, online banking, bank transfer, website card payment and Nova Poshta where offered
Application review time	A specialist may call within several minutes; exact decision time is not guaranteed
Advertised time to receive funds	After approval and verification; bank processing determines the actual arrival time
Early repayment conditions	Early repayment is allowed without a commission; interest is recalculated for actual use under the agreement
Extension or rollover	Official pages describe products up to 12 months and possible standard-term use up to five years; not a guaranteed rollover
Late-payment charges	Exact current penalty was not independently confirmed; the signed agreement and Ukrainian law control
Permitted loan purpose	Refinancing microloans; supplier also lists treatment, education, repairs, car, business, equipment, furniture and household needs
Legal entity	TOV “Kreditservice” (ТОВ «Кредитсервіс»)
Company registration number	EDRPOU 41125531
Registered address	36-D Yevhena Konovaltsia Street, Kyiv, Ukraine (official reference information)
Licence number	National Commission order No. 2084 dated 29 November 2018; reissued by the NBU on 14 March 2024
Regulator	National Bank of Ukraine (NBU)
Licence status	Official documents and product information reviewed; verify the live NBU record before signing
Customer-support channels	0 800 21-66-75; Viber 067 535-92-90; use the published complaints and legal-information channels
Date checked	September 17, 2026

Editorial status · Approx. 8 min read · Offer checked September 17, 2026

ReCredit UA review summary

ReCredit 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. It may lend from its own balance, introduce a request to a creditor or compare several providers. 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 ReCredit consumer-credit line for refinancing microloans (ReCredit-S and ReCredit-L). The amount wording is UAH 30,000 according to the supplier brief; official pages discuss total refinanced debt up to UAH 40,000; the timing note is Cashless transfer to a personal card or IBAN; contracts over UAH 40,000 may require office or video verification; and the price wording is Official product page: 615%–3,400% real annual rate; supplier brief: approximately 1,300%–2,305%; exact agreement controls. 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 “ReCredit UA швидкий кредит” can find a landing page, but only pre-contract information explains the obligation created by this application.

What role does ReCredit UA play?

The legal role behind ReCredit UA must be confirmed instead of inferred from a logo or “dinero inmediato” headline. The registry describes the route as Direct non-bank financial company and consumer lender; not a comparison broker. 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. ReCredit UA may simplify the first stage while a participating creditor controls the last three. A positive match, text message or selector showing UAH 30,000 according to the supplier brief; official pages discuss total refinanced debt up to UAH 40,000 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.

Brand and contracting entity are separate checks

ReCredit is the brand of TOV “Kreditservice”, EDRPOU 41125531. Confirm the legal creditor, licence and servicing contact in the current agreement.

ReCredit UA amount, cost and total repayment

Cost comparison for ReCredit UA starts with the amount that reaches your bank account, not the largest number beside an application button. The reviewed amount wording is UAH 30,000 according to the supplier brief; official pages discuss total refinanced debt up to UAH 40,000. Ask how principal, interest, commission, optional service, transfer charge and any extension fee combine. The price clue is Official product page: 615%–3,400% real annual rate; supplier brief: approximately 1,300%–2,305%; exact agreement controls; 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.

Enter the ReCredit UA principal and fee in the Ukraine UAH cost calculator.
Compare annual percentage rate, fees and total repayment with the total repayment and term.
Remove optional packages until their benefit and price are understood.
Check whether a promotion ends after the first transaction or a late payment.
Keep the creditor’s representative example with the final agreement.

ReCredit UA application and eligibility in Ukraine

A careful ReCredit UA application begins with identity and privacy checks, not speed. The listed requirements are Ukrainian citizenship or other status accepted under the current application and agreement. 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 ReCredit 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.

ReCredit 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 ReCredit 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.

ReCredit UA payout, repayment and late-payment risk

The funding note for ReCredit UA is Cashless transfer to a personal card or IBAN; contracts over UAH 40,000 may require office or video verification. Treat it as conditional because identity confirmation, underwriting, acceptance, bank cut-offs, weekends and transfer rails can change arrival time. A matching result is not money in the account. 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 months according to the supplier brief; official product scheme lists 3, 4, 5, 6, 9 and 12 months–12 months on current product information. 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.

ReCredit UA availability, complaints and borrower rights

ReCredit UA is listed for Ukraine with the availability note Ukraine; supplier brief lists Odesa, Dnipro and 16 Ukrainian oblasts; confirm residence in the live route. 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.

Borrow Radar view: when ReCredit UA may fit

The conditional case for comparing ReCredit 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.

Separate ReCredit UA from the creditor that signs the contract.
Compare cash received, annual percentage rate, fees and total repayment, total repayment, fees and due dates in UAH.
Ask which data, credit files and marketing permissions are involved.
Test the payment against essentials, existing debt and a minimum buffer.
Contact the creditor early if the due date may be missed.

ReCredit UA FAQ

Question 1Is ReCredit UA a direct lender?: Answer
ReCredit is the brand of TOV “Kreditservice”, EDRPOU 41125531, a Ukrainian non-bank financial company. Check the creditor printed in the current agreement; a credit intermediary may assist with a particular route, but the contracting entity is decisive.
Question 2How much can I refinance?: Answer
The supplier brief gives UAH 7,000–30,000. Official information also discusses total refinanced debt up to UAH 40,000 and product-specific limits. The live passport and agreement determine the amount offered.
Question 3What rate and total cost apply?: Answer
The supplier average is 0.49% per day, with 0.33% described for an early-payment condition. Official pages state 0.5% per day for new customers, 0.4% for returning customers, monthly commissions of 2% or 3%, and real annual rates of 615%–3,400% by product.
Question 4Who can apply?: Answer
The supplier describes a preferred 23–55 age range and a list of Ukrainian cities and oblasts. A universal public minimum, maximum and income threshold were not found. Identity, residence, financial position and repayment capacity are assessed.
Question 5How do I receive and repay?: Answer
Funds are transferred cashlessly to a personal card or IBAN. The site lists City24, EasyPay, online banking, bank transfer, card payment and Nova Poshta where available.
Question 6What if I may miss a payment?: Answer
Contact ReCredit before the due date, request written options and keep records. The exact current penalty was not independently confirmed; the individual agreement and Ukrainian law control.

Official sources used

ReCredit official homepage and refinancing informationOfficial provider page · opens in a new tab ↗ReCredit Ukrainian homepageOfficial provider page · opens in a new tab ↗ReCredit official credit-products pageOfficial provider page · opens in a new tab ↗ReCredit official FAQ and reference informationOfficial provider page · opens in a new tab ↗ReCredit official company and legal-information pageOfficial provider page · opens in a new tab ↗ReCredit official product information (essential-terms PDF unavailable)Official provider page · opens in a new tab ↗ReCredit official credit-products scheme PDFOfficial provider page · opens in a new tab ↗ReCredit official lending rules PDFOfficial provider page · opens in a new tab ↗National Bank of Ukraine non-bank supervision informationOfficial provider page · opens in a new tab ↗

Source record checked September 17, 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