CashPoint.ua

1. Introduction

CashPoint is a Ukrainian lending brand operated by LLC “БІ ЕЛ ДЖИ МІКРОФІНАНС” / LLC “BLG Microfinance.” It is a direct non-bank lender, not a bank and not a broker. The service is built around short-term consumer credit and works in two practical formats: online-to-card and cash disbursement in branches. That makes it different from many newer MFOs that work only online.

The public site does not show one perfectly unified current offer. One official “financial services” page snippet describes a bank-card loan for 30 days from 2,000 to 30,000 UAH, while branch-oriented pages still advertise cash loans up to 20,000 UAH for up to 45 days. Another active page, “Вигідний кредит,” describes a separate online product for new clients up to 6,000 UAH and repeat clients up to 15,000 UAH, with a two-tier daily-rate structure. The practical conclusion is that CashPoint appears to run several product variants at once, and the exact contract shown before signing matters more than any one banner page.

Its strengths are accessibility, branches across Ukraine, several repayment channels, and a simple document set. Its weak points are fragmented public pricing, very high APRs on some visible product pages, and the fact that the site does not publish one clean, current penalty table across all active products.

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2. What kind of organization is this

CashPoint is operated by LLC “BLG Microfinance,” EDRPOU 37615055. The official “About” page says the company’s exclusive business activity is providing funds on loan, including financial credit, and it also states that borrower information and credit operations are transferred to the NBU Credit Register under Ukrainian law. The National Bank of Ukraine’s public ownership page separately lists ТОВ “БІ ЕЛ ДЖИ МІКРОФІНАНС” as a financial company.

Operationally, CashPoint is not online-only. The official “How to get a loan” page says the borrower can receive money to a bank card or in cash at the nearest CashPoint branch. The current site also has an “Addresses of branches” section and multiple branch pages still active in search results.

The current support presentation is consistent across official pages: hotline 0 (800) 30-30-32, general email office@cashpoint.ua, and support hours Mon–Fri 8:00–21:00, Sat–Sun 9:00–18:00. The public contact/footer area also lists Kyiv, Zhylianska 101, office 601 as the contact address.

The compliance picture is not spotless. In August 2021, the NBU announced measures against several non-bank financial institutions, including ТОВ “БІ ЕЛ ДЖИ МІКРОФІНАНС,” for failing to comply with rules on payment schedules, real APR calculation, and related disclosure requirements. That is old, but still relevant when judging transparency.

3. How the service works

CashPoint’s website mixes a general online-loan flow with branch cash lending. The core process is simple: register or log in, complete a short application, choose the amount, submit the request, wait 5–10 minutes for review, and then either send the money to a card or collect it in cash at a branch.

The site also promotes several specific pricing pages rather than one unified tariff. The most detailed current product page found in public search is “Вигідний кредит.” It states that:

• new clients get up to 6,000 UAH

• repeat clients get up to 15,000 UAH

• the term is 30 or 45 days

• new clients pay from 0.001% per day for the first 15 days, then 4% per day from day 16

• repeat clients pay from 1.99% per day for the first 15 days, then 4% per day from day 16

• the disclosed real APR is 30,375.80% for the new-client product and 59,140.89% for the repeat-client product.

At the same time, other current pages still market more traditional branch-style terms such as up to 20,000 UAH for up to 45 calendar days, with the first loan’s first 5 days costing 1 UAH. Because these pages coexist, the safest reading is that CashPoint uses multiple products or legacy product pages in parallel.

4. How to get a loan

CashPoint’s official online flow is published step by step. The borrower:

1. logs in or registers in the personal account

2. fills out a short application

3. chooses the amount and submits the request

4. waits 5–10 minutes for the review

5. chooses how to receive the funds: to a card or in cash at a branch.

The official site repeatedly says the document package is light: passport and tax ID. Multiple official pages also repeat that no income certificate and no guarantor are required. At the same time, CashPoint says the borrower must have income to repay the loan, so the service is not treating repayment capacity as irrelevant.

For offline cash borrowing, the process is slightly different. The borrower fills out the request online or in person, goes to a branch with the original documents, and receives cash after approval and contract signing. The branch-oriented pages repeatedly describe this as a 20-minute process.

The public site does not explicitly promise “guaranteed approval” for bad-credit borrowers. It does position the service as broadly accessible and says it does not require official employment proof, but the reviewed current official pages do not publish a strong, current “bad credit welcome” guarantee. That is a better sign than misleading promises.

5. Loan requirements and eligibility

The most consistent official requirements visible across current pages are:

Requirement

What CashPoint publicly shows

Minimum age

18+

Identity documents

Passport and tax ID

Income

Income should exist for repayment

Employment certificate

Not required on public pages

Guarantor

Not required

Collateral

Not required

Bank card

Required for online card payout

Branch visit

Required for cash disbursement

This comes from official pages on unemployment loans, student loans, cash loans, and the FAQ. The site does not publish one clean current upper-age cap in the official pages reviewed here, so I am not asserting one.

The broad public positioning implies that official employment is not mandatory, but repayment ability still matters. That means self-employed and informally employed borrowers may be able to apply, but the service still expects a real source of repayment.

6. Loan terms and conditions

This is the section where CashPoint requires the most caution, because different official pages show different products.

Branch-style short-term credit

Some current public pages still market a branch-friendly short-term format:

• loan up to 20,000 UAH

• term up to 45 calendar days

• first 5 days cost 1 UAH on the first loan

• early and partial repayment available

• prolongation available.

“Вигідний кредит” page

The most detailed current public rate page found on the official site shows:

Product

Amount

Term

First period

After day 15

Real APR

New client

up to 6,000 UAH

30 or 45 days

from 0.001% daily

4% daily

30,375.80%

Repeat client

up to 15,000 UAH

30 or 45 days

from 1.99% daily

4% daily

59,140.89%

That page also says the product has no commissions, allows early repayment with payment only for actual days of use, and allows prolongation.

Other active pages

The current homepage search snippet still points to a card-loan form for 30 days from 2,000 to 30,000 UAH, while another older but still official page describes “Тест драйв 25” with 8,000 UAH for 15 days, 1.001% on day 1 and 0.001% from days 2–15, and a much lower displayed real APR of 27.86% for that example. That confirms that CashPoint is running, or at least still publishing, several tariff families at once.

The practical conclusion is blunt: the site’s public product layer is fragmented. The exact pre-contract form shown in the personal account or branch is the only safe source of truth.

Late payment, extension, and early repayment

CashPoint’s public pages do not publish one clear current penalty formula across all active products in the reviewed materials. What the site does publish is operational guidance:

• prolongation exists and lasts 30 days

• the borrower must pay accrued interest to activate prolongation

• prolongation is done by signing an additional agreement

• CashPoint recommends prolongation to avoid higher-rate accruals

• overdue borrowers are directed to a dedicated debt department and can discuss restructuring individually.

Early repayment is clearly allowed. The FAQ says the borrower can repay early, fully or partially, and can also repay in parts, reducing the outstanding balance and therefore the future interest burden.

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

CashPoint supports two main receiving channels:

Receiving method

Status

Bank card

Supported

Cash in branch

Supported

IBAN/local transfer as separate retail option

Not clearly emphasized

E-wallets

Not shown

Mobile wallets

Not shown

The official “How to get a loan” page explicitly says the customer chooses either card payout or cash in the nearest branch. That is a real advantage versus purely online lenders.

8. Supported repayment methods: how to repay the loan

CashPoint publishes a relatively broad repayment menu. According to the official repayment page, the borrower can repay:

• in the personal account with 0% commission

• through Privat24 with 0% commission

• in PrivatBank self-service terminals with 0% commission

• in any CashPoint branch with 0% commission

• by bank transfer using the company’s bank details, with the commission depending on the bank’s own tariff.

The official repayment page also gives the exact bank details:

• recipient: ТОВ “БІ ЕЛ ДЖИ МІКРОФІНАНС”

• bank: АТ “ПУМБ”

• IBAN: UA783348510000000000265031045

• EDRPOU: 37615055

• payment purpose: execution of obligations under the credit agreement, with the credit agreement number required.

That same page explicitly tells borrowers to keep the receipt until the payment is credited. This is one of the stronger operational signs on the site because it acknowledges real payment-posting risk.

9. Advantages and disadvantages

Advantages

Disadvantages

Both online-to-card and cash-in-branch models

Public product pages are fragmented

Light document set

Very high APR on some visible official products

Several zero-commission repayment channels

No single clean current penalty table on reviewed pages

Prolongation and restructuring exist

Overdue may move to higher-rate treatment

Partial and early repayment allowed

Public terms need cross-checking product by product

Branch network adds flexibility

Older disclosure/compliance concerns exist

CashPoint is operationally practical. The biggest borrower risk is not access. It is misreading the product mix and borrowing on the assumption that every page on the site reflects the same current tariff.

10. Who this service may suit

CashPoint may suit borrowers who need a small short-term loan, want the option to get money to a card or in cash, and value the ability to repay online, via terminals, or directly in a branch. It may also suit users who do not have formal income documents but still have a real repayment source.

It is a weak fit for anyone looking for cheap borrowing, anyone who is likely to roll the debt repeatedly, or anyone who wants one perfectly transparent tariff page without cross-checking. On CashPoint, checking the exact current product is mandatory.

11. Risks and important things to check before applying

The biggest risk is public-term inconsistency. The official site simultaneously shows:

• 2,000–30,000 UAH / 30 days / card payout

• up to 20,000 UAH / up to 45 days / branch cash style

• new client up to 6,000 UAH / repeat up to 15,000 UAH / 30 or 45 days / multi-tier daily rates.

The second risk is cost after the promo window. On the “Вигідний кредит” page, the rate jumps to 4% per day from day 16, and the disclosed real APR is already extremely high even before any overdue scenario.

The third risk is assuming prolongation is free. It is not. The borrower has to pay accrued interest and sign an additional agreement to prolong the term.

12. Customer support and communication channels

CashPoint’s current official pages show:

• hotline 0 (800) 30-30-32

• general email office@cashpoint.ua

• overdue-debt department phone +38 (063) 343-94-33

• overdue written-contact email oplata@cashpoint.ua

• support hours Mon–Fri 8:00–21:00, Sat–Sun 9:00–18:00

• branch network and personal account.

That is a stronger support layer than many thin MFO sites, especially because it separates general support from overdue-debt handling.

13. FAQ

What is CashPoint?

CashPoint is a Ukrainian lending brand operated by LLC “BLG Microfinance,” a direct non-bank financial company.

Is it a direct lender or a broker?

It is a direct lender. The company’s own “About” page says its exclusive activity is providing loans.

How fast can I get money?

The official “How to get” page says application processing takes 5–10 minutes, and several public pages describe the full issue process as about 20 minutes.

What documents do I need?

On the current official pages, the standard answer is passport and tax ID.

Can I get a loan with bad credit?

The reviewed current official pages do not promise guaranteed approval for bad-credit borrowers. Approval still depends on the lender’s internal review.

How can I receive the money?

Either to a bank card or in cash at a CashPoint branch.

How can I repay the loan?

Through the personal account, Privat24, PrivatBank terminals, CashPoint branches, or by bank transfer using the company’s requisites.

Can I repay early?

Yes. The FAQ says you can repay early, fully or partially.

Can I repay in parts?

Yes. The FAQ says partial repayment is allowed and reduces the debt and future interest burden.

Can I extend the loan?

Yes. CashPoint says prolongation is available for 30 days after paying accrued interest and signing an additional agreement.

Is prolongation available to first-time borrowers?

Yes. The FAQ says prolongation is available to all CashPoint users.

What happens if I miss the due date?

The reviewed public pages do not publish one clean penalty formula, but they do warn borrowers to prolong the loan to avoid higher-rate accrual, and they direct overdue clients to a dedicated debt department and restructuring options.

Is the first loan interest-free?

Not exactly. Some pages say the first 5 days cost 1 UAH, while others show 0.001% per day for the first 15 days. It depends on the product page and the exact offer.

Are there hidden commissions?

CashPoint publicly says it charges only for actual days of use and some official pages market products without commissions, but because public tariffs differ across pages, the pre-contract disclosure should always be checked.

How do I contact support?

Use the hotline 0 (800) 30-30-32, general email office@cashpoint.ua, or the overdue-debt contacts shown on the overdue page.

14. Final conclusion

CashPoint is a real Ukrainian non-bank lender with a hybrid model: online-to-card and cash-in-branch. That alone makes it more flexible than many digital-only competitors. Its repayment infrastructure is also better than average, with several lender-side zero-commission channels.

The main limitation is fragmented pricing disclosure. Current official pages point to different products, amounts, and rate structures, including some with extremely high disclosed real APRs. CashPoint may suit a borrower with a genuine short-term need who is willing to verify the exact tariff before signing. It is a poor fit for anyone who wants simple, stable, single-page pricing or who is likely to rely on prolongation repeatedly.

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