SOS CREDIT UA offer review

SOS CREDIT UA review summary

SOS CREDIT UA is the online brand of Limited Liability Company “SOS CREDIT”, a Ukrainian non-bank financial company that publishes its legal details, consumer-credit information and a sample electronic agreement. The public disclosure identifies EDRPOU 39487128, a Kyiv registered address and a lending licence re-issued in the financial-services register. This is a direct-creditor route rather than an anonymous comparison form: the named company receives the application, performs its scoring and creditworthiness checks, presents the offer, signs the electronic agreement and transfers approved funds. The agreement is the controlling source for the borrower, amount, price and repayment dates.

The current official material is not perfectly uniform. The homepage describes a public minimum of UAH 500 and a maximum of UAH 20,000, while an essential-characteristics form published in 2025 states a general range of UAH 8,000–20,000. The current disclosure also mentions a seven-day contractual minimum, while the product explanation describes a ten-day selector. I record those differences rather than blending them into a false single promise. Use the live calculator, personalised offer and signed agreement for the exact amount and term.

What role does SOS CREDIT UA play?

SOS CREDIT publishes its own financial-service disclosure, consumer-information page and contract template. They name TOV “SOS CREDIT” as the creditor and give EDRPOU 39487128. The company is therefore presented as the lender, not as a broker that forwards an application to an unknown panel. A tracking link or affiliate description cannot replace the legal name in the offer. Before signing, confirm that the electronic document names the same company, the same website and the same bank-account counterparty. If a message proposes a different lender, ask who makes the decision, who signs the contract and who will collect repayments.

The journey is a sequence, not a guaranteed one-click approval. An applicant selects an amount and term, registers a personal account, verifies identity and card ownership, submits an application, receives a creditworthiness decision and reviews the generated offer. Acceptance uses a one-time electronic identifier. The provider says automated review can take up to 15 minutes, while some customer-facing materials advertise faster cases. Speed is an estimate, not a promise: the requested amount may be reduced, another offer may be generated or the application may be declined.

• Direct creditor named by the official disclosure: TOV “SOS CREDIT”.
• The signed offer controls the amount, rate, fees, payment dates and default wording.
• Never disclose a one-time signing code or full card security details to an unsolicited caller.

SOS CREDIT UA amount, cost and total repayment

The public product information describes UAH 500 as a minimum and up to UAH 20,000 for first and later applications. A separate 2025 disclosure uses UAH 8,000–20,000 for the general unsecured consumer-credit range. This may reflect a different product view or update date, so the two figures should not be silently combined. The term is generally seven to 65 calendar days, with the homepage selector also describing a ten-day option. Ask the calculator to show the principal, the net amount actually credited, each charge and the final amount payable.

The score-based daily rate is published as 0.01%–1%. The site gives a representative UAH 3,000 example for 15 days at 0.01%: UAH 3,004.50 to repay and a 3.99% APR. A second example uses 65 days at 1%: UAH 4,950 to repay and a 1,639.15% APR. These are illustrations, not a guaranteed personal price. A promotional or loyalty rate may appear in the personalised offer, while a missed payment period can allow the base rate to apply under the agreement. No separate weekly or monthly base rate is publicly stated.

Compare three figures, not only the headline rate: the principal, every interest or commission amount and the total cost. Save the calculator result as a PDF or screenshot, then check that the due date does not collide with rent, utilities, food or another loan. Do not convert a daily rate into a monthly rate by simple multiplication when the agreement uses periods or additional charges. The signed passport and agreement should show the exact calculation before the one-time identifier is entered.

1. Select an amount and term, then save the calculator output.
2. Check net UAH credited against the nominal credit amount.
3. Read the daily rate, APR example, fees and total repayment together.
4. Confirm each due date and the conditions for any promotional rate.
5. Download the agreement and payment schedule before signing.

SOS CREDIT UA application and eligibility

The provider’s consumer-credit form describes Ukrainian citizens aged from 18, with full civil capacity, a valid identity document, tax identification and registered, permanent residence in Ukraine. The current website FAQ also describes an upper age of 90. The applicant must act for their own benefit, provide truthful information about identity and activity, and hold an account in their own name at a Ukrainian bank with an attached payment card. A card verification can temporarily block a small amount from UAH 0 to UAH 2. Those requirements do not guarantee approval: the company still assesses affordability and fraud risk.

The application asks for information about income, expenses and existing obligations so the scoring system can estimate repayment capacity. The public material does not promise a minimum salary or a guaranteed result for applicants with poor credit. SOS CREDIT may obtain information from credit bureaus and other open sources, and it can offer a different amount or term than the requested one. Territorial exclusions also matter: the provider’s legal materials require Ukrainian residence and exclude areas restricted under Ukrainian law. Check the current eligibility screen rather than relying on an old advert.

SOS CREDIT UA data sharing and credit checks

An online application can contain identity data, tax number, address, telephone, email, card or account details, affordability answers and electronic-signature records. The provider explains that the card is verified, credit-bureau information may be consulted and the generated offer is placed in the personal account. Read the privacy and consent screens before submitting. A permission needed to assess or service a loan is different from optional marketing. Save the wording and date of the notices that were displayed when you applied.

The official information says the company evaluates the applicant using submitted data, bureau information and other open sources. It can also transfer a right of claim to another creditor under the circumstances described in the agreement, particularly after arrears. That possibility makes the legal counterparty and contact details worth saving. Use the verified soscredit.ua domain, your own device and your own card. Enter bank credentials and one-time identifiers only in the secure flow; stop if somebody asks for an advance payment or the complete card security code.

SOS CREDIT UA payout, repayment and late-payment risk

After approval and electronic acceptance, the company says funds are transferred without cash to the borrower’s own Ukrainian bank card or linked account. Bank processing can be slower than the provider’s “minutes” message. The repayment schedule is generated with the offer. Published channels include the personal account, the SOS CREDIT website, bank transfer or cash desk, internet banking and other channels named by the provider. A transfer may be subject to a bank’s own processing time or fee. Check that the payment reference includes the contract details and keep a receipt until the balance is closed.

Late payment is not a harmless extension. The sample agreement explains that interest and commissions are calculated by periods and that, after a missed promotional-period payment, the base rate and/or commission can apply from the stated time. The company may contact the borrower, report information and in some cases transfer a claim under the contract. The exact default amount and any statutory cap must be read in the signed document. If income will be late, contact support before the due date and request a written balance or extension rather than taking another expensive loan.

SOS CREDIT UA availability and borrower rights

The online service is presented for Ukrainian residents who meet the provider’s identity, card and territorial rules. The disclosure names TOV “SOS CREDIT”, EDRPOU 39487128, at 04070 Kyiv, Podil district, Pochainynska Street 23. The provider cites a licence re-issuance entry dated 11 March 2024 and historical order No. 127 from 14 January 2016, with financial-institution certificate IK No. 144. Those are published disclosures, not a substitute for checking the live National Bank of Ukraine register before signing. The NBU is the relevant regulator and consumer-complaint route.

Support is listed at 0 800 211 767 daily from 08:00 to 21:00, with [email protected] and website chat shown as available from 09:00 to 21:00. The service itself is presented as operating around the clock. Keep copies of the offer, calculator, consent text, correspondence and receipts. Ask for a certificate showing the balance after repayment. If a complaint is not resolved, use the provider’s written process and then the NBU consumer-protection channel. A regulator complaint does not erase a contractual due date, so communicate early.

Alternatives and consumer checklist

SOS CREDIT may fit a borrower who wants an identified Ukrainian non-bank creditor, can meet the citizenship and account conditions and has a realistic plan for the exact payment date. It is not one universal price: the public pages contain a product-range discrepancy, the daily rate is scoring-based and the APR changes sharply between the 15-day promotional illustration and the 65-day base-rate illustration. A low first-period rate should not be treated as a free loan. The important comparison is the net money received against the total scheduled repayment and the consequences of a missed period.

Before applying, compare a bank overdraft, employer advance, bill arrangement, lower-cost instalment product or independent debt advice. Budget essential living costs and existing repayments first. If the personal offer changes after scoring, save the new version and read it again. Borrow Radar does not approve applications, promise acceptance or provide legal advice. It makes the creditor, product limits, price assumptions, data checks, extension wording and late-payment risks easier to inspect before a user commits.

• Confirm TOV “SOS CREDIT” and EDRPOU 39487128 in the electronic contract.
• Resolve the UAH 500 versus UAH 8,000 minimum discrepancy using the live offer.
• Compare net UAH received, daily rate, APR, charges and total repayment.
• Save the agreement, consent screens and payment receipts.
• Contact the creditor before a payment is missed.

Frequently asked questions

Question 1Is SOS CREDIT UA a direct lender?

Answer

Yes. The official disclosure identifies LLC “SOS CREDIT”, EDRPOU 39487128, as the creditor behind the SOS CREDIT online service. Confirm that legal name in the electronic offer.

Question 2How much can I borrow?

Answer

The public page shows UAH 500 as a minimum and up to UAH 20,000. Another 2025 form describes UAH 8,000–20,000 for a general product range, so the calculator and signed offer control.

Question 3What rates and APR are published?

Answer

The score-based range is 0.01%–1% per day. Representative examples show 3.99% APR for UAH 3,000 over 15 days at 0.01% and 1,639.15% APR for 65 days at 1%.

Question 4What documents and account are needed?

Answer

The published criteria include Ukrainian citizenship, age 18–90, identity and tax documents, a Ukrainian residence and an own Ukrainian bank card or account.

Question 5Can I repay early or extend?

Answer

Early repayment is described as available with interest for actual days used. A 15- or 30-day extension can be available in the personal account, but it is not automatic.

Question 6What happens after a late payment?

Answer

A missed period can move a promotional rate to the base rate and trigger contractual collection or reporting. Read the signed agreement for the exact amount and legal cap.

Official sources used

Source record checked September 17, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.