BeeCredit UA

1. Introduction

BeeCredit is a Ukrainian online lending service that issues small consumer loans to a bank card through the website of LLC “МУЛЬТІКРЕДИТ” / LLC “Multicredit.” It is a direct non-bank lender, not a bank, not a salary-advance app, and not a loan broker. The current official site markets online loans up to 20,000 UAH, with terms from 105 to 300 days, a base rate of 365% annually / 1% per day, and a disclosed real APR range of 5,271.44% to 10,971.25% on the visible main calculator.

This is not a low-cost product. It is a high-cost online microloan designed for people who need money quickly, want a fully remote process, and are willing to pay more for speed and easier access than a bank would usually offer. The obvious strengths are speed, simple entry requirements, online-only access, and several repayment methods. The weak points are cost, a visible one-time issuance commission plus a one-time servicing commission in the calculator, and strong late-payment consequences in the company’s disclosure documents.

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2. What kind of organization is this

The legal operator behind BeeCredit is LLC “МУЛЬТІКРЕДИТ”, EDRPOU 44653728. The current official site’s contact and about pages identify the company directly and show its address as 04052, Kyiv, 40 Hlybochytska Street, office 39 (lit. N, P). The National Bank of Ukraine’s public export also lists ТОВ “МУЛЬТІКРЕДИТ” as a financial company as of 01.01.2026.

This is a microfinance company / MFO-type lender, not a bank. It operates in Ukraine and is aimed at retail borrowers who need fast short- to medium-term online credit and do not want branch visits, guarantors, or paper income verification. The public site presents the service as online-first, with money transferred to a bank card rather than paid out in cash at an office.

Operationally, BeeCredit appears to be online-only in the public materials reviewed here. I did not find an active branch-cash issuance model on the official site. Everything public-facing is built around the online calculator, personal account, digital application flow, and card payout.

Its general market positioning is typical for a mainstream Ukrainian online MFO: fast, convenient, light on documents, and more flexible than a bank. The service also appears in the NBU BankID commercial-subscriber lists, which supports the conclusion that it participates in regulated digital-identification infrastructure rather than operating as an anonymous shell. At the same time, some official pages still contain older or parallel disclosure files, which means the site is usable but not perfectly tidy from a documentation perspective.

3. How the service works

BeeCredit’s current public offer is not a classic “loan for 5–30 days with one repayment at the end.” The main official homepage currently shows:

• loan amount up to 20,000 UAH

• term from 105 to 300 days

• base rate 365% annually / 1% per day

• real APR 5,271.44% to 10,971.25%

• payment periodicity of 21 days

• additional fields in the calculator for a one-time issuance commission and a one-time servicing commission.

That structure matters. It suggests the product is closer to a scheduled microcredit with recurring payments than to a one-shot payday advance. The homepage’s visible contract summary also shows that the borrower repays through a payment schedule, not only once at the very end. The legal information PDF further confirms that the consumer has the right to repay in full or in parts according to the payment schedule.

The process is fully online. The main site says the borrower fills out a short application, first-time users complete registration and identification, the decision usually comes within about 3 minutes on the homepage block or up to 7 minutes on the about-page block, and the money goes to the linked card immediately after approval. A longer informational block on the homepage says the answer usually comes within up to 20 minutes, but in most cases faster. The realistic reading is: usually fast, but not guaranteed to be instant in every case.

The service seems to support both first loans and repeat loans, but the current visible product layer does not cleanly separate a simple “first-loan tariff” from a “repeat-loan tariff” in one authoritative table. Some landing pages still describe shorter products like 500–15,000 UAH for 5–30 days, while the main live homepage currently markets the broader 105–300 day structure. That means conditions may vary by product type and current offer, and borrowers should rely on the final pre-contract disclosure rather than on one landing-page article.

4. How to get a loan

Registration

The main site says the borrower starts in the online calculator by choosing the amount and term, then proceeds to registration. First-time users must fill out the form and pass identification, while repeat users do not need to register again.

Filling in the application

BeeCredit’s public guides say the borrower fills in a short application and usually needs:

• passport data

• tax ID

• personal mobile phone

• personal bank card

• email for the contract.

A more explanatory landing page also says the form may ask for address and income information, which suggests BeeCredit uses more than bare identity data even if it does not ask for a formal salary certificate.

Identity verification

The homepage says first-time users must pass identification after registration. The public pages do not expose every technical detail of that step, but the process clearly includes card linking and borrower verification before money is sent. The NBU BankID subscriber listing for ТОВ “МУЛЬТІКРЕДИТ” under BeeCredit also supports the idea that digital identity verification is part of the service infrastructure.

Income or employment confirmation

BeeCredit publicly says a loan can be taken without an income certificate. One official landing page explicitly lists students, freelancers, pensioners, parents on leave, unemployed people, and self-employed users among the categories that may apply. That does not mean income is irrelevant. It means the lender is willing to consider applicants without paper proof from an employer.

Choosing the loan amount and term

The main official homepage currently shows a broad product range of 500 to 20,000 UAH and 105 to 300 days. A separate legal-information block on that same homepage says the consumer-credit range visible there is 9,000 to 20,000 UAH for 300 calendar days. That mismatch is exactly why the final passport of consumer credit matters.

Signing the agreement

The reviewed contract PDF makes clear that the loan is documented through a formal consumer-credit agreement with payment schedule and supporting documents available in the borrower’s account and also sent to the borrower’s email. That means the agreement is concluded electronically, not through a branch-based paper workflow.

Receiving the funds

After approval, the borrower links the card and receives the money there. The site repeatedly says funds go to a card issued by a Ukrainian bank and that transfer is immediate or near-immediate after approval in the typical case.

How long does the process usually take?

The current public materials show several speed claims:

• decision within 3 minutes on the homepage application block

• decision up to 7 minutes on the about-page summary

• full review up to 20 minutes in the longer homepage explanation

• money to card immediately after approval.

That is best read as: usually fast, often under 10 minutes, but sometimes longer.

Is approval automatic or manual?

The site language strongly suggests a mostly automated flow. BeeCredit repeatedly markets simplicity, fast decisions, and minimal friction. I did not find evidence of a classic branch-style manual underwriting model in the reviewed public pages.

Can bad-credit borrowers apply?

Yes, they may apply. BeeCredit’s public pages openly market loans to people with weak or unconfirmed credit history and say the service is more flexible than banks. That is a commercial positioning claim, not a guarantee of approval. A borrower with damaged credit can try, but should not assume automatic approval.

5. Loan requirements and eligibility

The clearest official borrower requirements visible in the current public materials are:

Requirement

Publicly visible status

Minimum age

18

Maximum age

65

Citizenship / identity

Ukrainian passport or ID card

Tax number

Required

Bank card

Ukrainian bank card required

Phone

Personal phone required

Email

Needed for the contract

Income certificate

Not required on public pages

Official employment

Not clearly required

Self-employed applicants

May apply according to landing-page guidance

These points are supported by the FAQ-style landing pages and the main homepage “How to get credit” block.

The most important practical requirement is that the borrower must have a personal bank card from a bank operating in Ukraine. BeeCredit’s public guides do not explicitly say “third-party card forbidden,” but the whole flow is built around the borrower’s own card and personal data, so name matching should be assumed.

6. Loan terms and conditions

The current public homepage gives the most concrete visible product structure:

Item

Publicly visible current homepage terms

Amount

500–20,000 UAH

Term

105–300 days

Daily rate

1% per day

Nominal annual rate

365%

Real APR

5,271.44%–10,971.25%

Payment periodicity

21 days

One-time issuance commission

Present in calculator

One-time servicing commission

Present in calculator

That is already enough to conclude that BeeCredit is a high-cost scheduled microloan. The cost is not only daily interest. The visible calculator also includes a one-time issuance commission and a one-time servicing commission, which materially raise the real borrowing cost.

A separate indexed PDF snippet adds another clearly confirmed product view: a microcredit product where the borrower repays in parts according to a payment schedule, and the borrower has the right to repay at any time in full or in parts under that schedule. That supports the same conclusion: this is not a simple single-payment payday loan.

First loan conditions

I did not find a clean, current, official “first loan is free” rule in the reviewed materials. Some landing pages discuss more promotional short-term offers, but the live homepage currently centers the broader 105–300 day model. A borrower should not assume a universal interest-free first loan unless the final contract shows it.

APR / total borrowing cost

The most important cost figure is the current visible real APR range of 5,271.44% to 10,971.25% on the homepage. That number already tells you this is emergency credit, not normal household finance.

Penalties for late payment

The clearest currently visible official disclosure says:

• penalty interest (penya): absent

• fine: if the borrower breaches the consumer-credit agreement, the borrower may have to pay a one-time fine of 50% of the loan amount on the creditor’s demand.

That is a serious penalty. Even though the document also notes wartime carveouts under Ukrainian law, a 50% one-time contractual fine is not trivial.

The contract PDF also confirms that if the borrower pays too little to cover all obligations, the payment is applied first to overdue principal and overdue interest. That matters because partial late payments may not fix the debt in the way casual borrowers expect.

Extension / rollover options

BeeCredit’s public pages strongly suggest prolongation exists. Several official landing pages say the borrower can continue the loan by paying the accrued interest if they know in advance that full repayment will be difficult. The contract PDF also explicitly refers to additional agreements that may be concluded for each next tranche, and the repayment/return section is titled “procedure for continuation of the credit and conditions of repayment.”

That means rollover or prolongation appears to be a real service feature, but not a free one. It is based on paying interest and signing further contractual modifications, not on a grace system with no extra cost.

Early repayment rules

BeeCredit clearly allows early repayment. The FAQ and repayment pages say the borrower may repay fully on the payment date or earlier, and that early repayment carries no penalties or hidden commissions, with interest charged only for the actual period of use.

Hidden fees or service charges

The service does not look hidden-fee heavy in the sense of burying everything off-screen. The visible homepage calculator openly includes two separate one-time fee fields. But many borrowers will still underestimate the cost because they focus only on the 1% daily rate and ignore the calculator’s commission fields and the real APR.

7. Supported payout methods: how users can receive the loan

BeeCredit is primarily a bank-card lender.

Receiving method

Status

Bank card

Supported

Bank account via linked card/account

Supported in practice

IBAN / local transfer

Not clearly marketed as standard payout

E-wallets

Not shown

Mobile wallets

Not shown

Cash pickup

Not shown

The homepage states that BeeCredit issues loans to any card issued by a Ukrainian bank. That is clearly the main receiving method and also the fastest one.

The site does not clearly state whether third-party cards are allowed. Because the whole application is tied to the borrower’s identity data, tax number, and personal card, the safe assumption is that the payout card should belong to the borrower.

8. Supported repayment methods: how to repay the loan

BeeCredit gives borrowers several practical repayment routes.

Repayment method

Supported

Practical note

Personal account on website

Yes

Card payment, almost instant posting

Online banking / banking app

Yes

Use card or requisites

Payment terminals

Yes

City24, EasyPay, MONO mentioned

Bank branch / cash desk

Yes

Use official requisites

Payment-system websites

Yes

Partner payment systems mentioned

Mobile app

No public BeeCredit app clearly surfaced; banking apps are used instead

The official repayment guide says borrowers can repay:

• through the personal account

• by card in online banking

• through a terminal

• at a bank branch

• on partner payment-system sites.

The site says personal-account repayment is the easiest route: log in, go to the active loan, choose repayment, pay with a card from any Ukrainian bank, and the money is reflected in the system almost instantly.

For terminal repayment, BeeCredit currently names MONO, City24, and EasyPay in the public repayment instructions. It also warns that terminal payments may involve a commission.

For bank-transfer repayment, BeeCredit publicly publishes the main requisites:

• recipient: ТОВ “МУЛЬТІКРЕДИТ”

• EDRPOU: 44653728

• IBAN: UA063348510000000000265072305

• bank: АТ «ПУМБ»

• payment purpose: payment under the credit agreement from the borrower’s full name and tax ID.

That means the borrower should know at least:

• contract identity

• full name

• tax ID

• the correct IBAN and company code.

The site does not clearly publish one official posting time for bank-transfer repayment, but because external transfers and terminal payments may involve partner systems and commissions, borrowers should keep payment receipts until the loan balance in the account actually updates. The site’s own guidance about instant posting applies mainly to the personal-account card-payment route.

9. Advantages and disadvantages

Category

Advantages

Disadvantages

Speed

Fast decisions, often minutes

Legal outer timing can be slower than the marketing case

Simplicity

Minimal documents, online-only flow

Product is more complex than “quick cash” branding suggests

Accessibility

Can suit people without income certificates

High-cost credit, not cheap emergency money

Payment methods

Several repayment routes

External routes may add commissions or delays

Limits

Up to 20,000 UAH on the public homepage

Cost rises sharply with term and fees

Transparency

Real APR shown on homepage

Site still mixes current and older disclosure layers

Reputation

Real regulated financial company, NBU-visible

No reason to overstate trustworthiness; still an MFO

Penalties

Early repayment allowed without penalty

Late-payment fine of 50% of loan amount is serious

Support

Clear phone, email, contact form, hours

Not enough evidence to rate responsiveness beyond published channels

Overall, BeeCredit is operationally strong but financially expensive. It is usable. It is not cheap.

10. Who this service may suit

BeeCredit may suit:

• borrowers who need urgent money until payday

• users who want a small short- or medium-term online loan

• people with limited formal documentation

• users who need online-only access

• borrowers who can realistically follow a payment schedule every 21 days.

BeeCredit is a poor fit for:

• borrowers looking for cheap credit

• people already struggling with several active debts

• users likely to miss payment dates

• anyone who sees “quick loan to card” and assumes the product is simple or inexpensive.

11. Risks and important things to check before applying

The biggest risk is the real total cost. BeeCredit’s homepage openly shows a real APR of 5,271.44% to 10,971.25% and also includes one-time commission fields in the calculator. That alone should stop borrowers from treating this as ordinary credit.

The second risk is the late-payment fine. The currently visible disclosure document says the borrower may owe a one-time fine of 50% of the loan amount if obligations under the consumer-credit contract are breached. That is large enough to turn a difficult loan into a much worse one.

The third risk is relying on prolongation too often. BeeCredit clearly allows continuation by paying accrued interest, but that is still costly. Repeated prolongations usually mean the loan is solving the wrong problem.

The fourth risk is repayment-channel mismatch. If you need the payment reflected immediately, the personal-account card-payment route is clearly better than external manual transfers. For other channels, keep the receipt until the account balance updates.

This service is suitable only for short-term financial emergencies when the repayment source is clear before borrowing. It is not a healthy substitute for regular budgeting.

12. Customer support and communication channels

BeeCredit’s official contact page currently shows:

• phone: 0 800 200 001

• email: info@beecredit.com.ua

• address: 04052 Kyiv, 40 Hlybochytska Street, office 39 (lit. N, P)

• working hours: Mon–Fri 09:00–18:00, Sat 10:00–19:00, Sun off

• contact form on the website

• option to send a complaint directly to the director through the form.

That is a decent support layer for an MFO. It is publicly visible and includes more than just a phone number. I cannot verify responsiveness from public pages alone.

13. FAQ

What is BeeCredit?

BeeCredit is a Ukrainian online lending service operated by LLC “МУЛЬТІКРЕДИТ.”

Is it a direct lender or a broker?

It is a direct lender, not a broker. The official site names ТОВ “МУЛЬТІКРЕДИТ” as the operating company.

How fast can I get money?

Usually quickly. The site shows decisions within 3 to 7 minutes in some blocks and up to 20 minutes in the longer explanation, with funds sent to the card immediately after approval in the usual case.

What documents do I need?

Passport, tax ID, personal phone, and a Ukrainian bank card. Email is also used for the contract.

Can I get a loan with bad credit?

You may apply. BeeCredit markets itself as more flexible than banks and says even people with non-confirmed or weak credit history may get money, but approval is not guaranteed.

What payment systems are supported for receiving money?

The main receiving method is a bank card issued by a Ukrainian bank.

How can I repay the loan?

Through the personal account, online banking, terminals, bank branches, or partner payment-system websites.

What requisites do I need for repayment?

For bank repayment, BeeCredit publicly gives: ТОВ “МУЛЬТІКРЕДИТ”, EDRPOU 44653728, IBAN UA063348510000000000265072305, АТ «ПУМБ», plus your full name and tax ID in the payment purpose.

Can I repay early?

Yes. BeeCredit says early repayment is allowed without penalties or hidden commissions, and interest is charged only for the actual use period.

What happens if I miss the due date?

The visible disclosure says the lender may demand a one-time fine of 50% of the loan amount for breach of obligations under the consumer-credit agreement.

Can I extend the loan?

BeeCredit’s public materials indicate that prolongation is possible by paying accrued interest and continuing under additional contractual arrangements. It is not free.

Is the first loan interest-free?

I did not find a current official universal “free first loan” rule on the live homepage. Do not assume one exists unless your final contract shows it.

Can I receive money on someone else’s card?

The public materials do not clearly say this is allowed. The safe assumption is to use your own Ukrainian bank card.

How do I contact support?

Use 0 800 200 001, info@beecredit.com.ua, or the official contact form.

Is this service safe to use?

It is a real Ukrainian financial company, visible in NBU-related sources and the public site. That does not mean it is cheap or low-risk. The main risk is affordability.

14. Final conclusion

BeeCredit is a real Ukrainian online microloan service with a fast digital process, simple document requirements, and practical repayment channels. It is built for speed and accessibility, not for cheap borrowing. The live homepage currently shows a scheduled-credit structure with 1% per day, visible commissions in the calculator, a 21-day payment interval, and a very high real APR.

Its main strengths are speed, simplicity, and online convenience. Its main limitations are cost, strong late-payment risk, and the fact that the public site still mixes active and legacy disclosure layers. BeeCredit may suit a borrower with a genuine short-term emergency and a clear repayment plan. It is a poor fit for recurring cash shortages, loose repayment discipline, or anyone who wants low-cost credit.

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