Cly UA

1. Introduction

CLY is a Ukrainian online lending service that issues small consumer loans to a bank card. Based on the current public snippets from the official domain and its linked disclosure PDFs, the product that is most clearly surfaced right now is a microcredit for 90 days, in the range of 5,000–8,000 UAH, with a payment every 14 days, a daily rate of 1%, a 25% issuance commission, and a disclosed real APR of 4,668%. That is not a cheap loan. It is a short-term high-cost online credit product.

This kind of service is usually used by borrowers who need money quickly, do not want bank paperwork, and are willing to pay more for speed and convenience. CLY’s obvious strengths are speed, online-only processing, light document requirements, and simple repayment options. Its weak points are cost, the 25% commission, and the fact that some public pages on the official domain still look like legacy templates, which reduces transparency.

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2. What kind of organization is this

CLY operates through LLC “КЛАЙ ІНВЕСТ” / LLC “KLAY INVEST”, EDRPOU 42146903. The official contact page on the CLY domain lists the company name, code, Kyiv address, bank details, телефоны, and email info@cly.com.ua. The National Bank of Ukraine’s public export also identifies ТОВ “КЛАЙ ІНВЕСТ” as a financial company as of 01.01.2026.

This is not a bank. It is a non-bank financial company / MFO-type lender that provides credit directly through its own website. It is aimed at borrowers in Ukraine who need a relatively small loan quickly and are comfortable applying online. The reviewed public materials do not show an active branch-cash model, so this appears to be an online-only service in practice.

A practical reputation note matters here. Some official pages on the current CLY domain still carry the page title “Займер”, while the contact block on the same page identifies the operator as ТОВ “КЛАЙ ІНВЕСТ”. That suggests legacy branding or template reuse remains on the site. It does not prove anything illegal, but it is a real transparency weakness.

There is also a credible regulatory signal that the company is integrated into the financial system. The NBU BankID subscriber lists include ТОВ “КЛАЙ ІНВЕСТ” under the service label CLY, and NBU ownership materials show the company as part of a small non-bank financial group. That supports the conclusion that CLY is a real regulated market participant, not just a thin lead-generation shell.

3. How the service works

The clearest currently visible public product is a short installment-like microcredit rather than a one-shot payday loan. The official page that opens on the domain shows 7 total payments, one payment every 14 days, 90 days total term, 1% per day, 25% commission, and real APR 4,668%. That means the borrower is not repaying once at the end. They are following a payment schedule over three months.

That structure matters. Many people hear “payday loan” and assume one repayment after a couple of weeks. CLY’s publicly visible product is closer to a short scheduled consumer microloan with periodic repayments than to a pure salary-advance app. In practical terms, that can make repayments look more manageable in the short run, but the total borrowing cost is still high because of the combination of daily interest and upfront commission.

The service markets speed aggressively. The official site says money reaches the card within 5 minutes after approval, and the application pages say the borrower fills in the questionnaire in about 10 minutes and receives a decision in about 5–10 minutes. That suggests a mostly automated online flow rather than a slow manual underwriting process.

At the same time, the public offer layer is slightly more conservative than the marketing page. One official public-offer snippet says the lender transfers the credit no later than 2 working days after signing, even though the sales pages say “within 5 minutes.” The sensible reading is that five minutes is the usual marketing-case scenario, while two working days is the outer legal allowance.

4. How to get a loan

Registration

The official “How to get money” page describes a straightforward online start. The borrower goes to the calculator, chooses the loan amount and term, then moves into the application. The site says this first step is done entirely on the website.

Filling in the application

The site says the borrower completes a simple application form, and that this usually takes about 10 minutes. That makes CLY faster than a traditional bank, but still slow enough to indicate a real application rather than a one-click prequalification toy.

Identity verification

The FAQ snippets show that the borrower must have a citizen passport, tax ID, and a Ukrainian bank card. The NBU BankID subscriber list also shows CLY as a connected service, which supports the idea that identity verification can run through regulated digital channels rather than only manual document checking.

Income or employment confirmation

In the public snippets I reviewed, CLY does not clearly publish a hard requirement for income certificates or official employment proof. I did not find a current official snippet that says salaried employment is mandatory. That usually means the lender relies more on automated scoring and bureau checks than on paper employer documents. Exact income questions still have to be checked in the live application.

Choosing the amount and term

The currently visible official product parameters point to 5,000–8,000 UAH for 90 days, with a payment every 14 days. Some live calculator snippets on the domain also show examples around 5,000–7,000 UAH, which is broadly consistent with that public range.

Signing the agreement

The public-offer snippets show that a formal consumer-credit agreement is concluded between the borrower and ТОВ “КЛАЙ ІНВЕСТ”. The exact electronic-signature flow is not fully visible in the snippets I reviewed, but the service clearly operates through a standard online-contract model rather than a branch-paper model.

Receiving the funds

The official homepage says the money reaches the borrower’s card within 5 minutes after approval, thanks to direct integrations with Visa and Mastercard payment systems. That is one of the most concrete operational claims on the public site.

How long does the process usually take?

The current public messaging suggests roughly 5–10 minutes for the decision and about 10 minutes to fill in the form, with card funding often shown as within 5 minutes after approval. In practice, that means many borrowers can likely complete the whole process in well under half an hour.

Is approval automatic or manual?

The official site strongly suggests a mostly automated process. The repeated phrases about “approval in seconds” and getting a decision in 5–10 minutes are typical of automated scoring rather than branch-style manual review. Still, the site does not promise universal approval.

Can bad-credit borrowers apply?

The current official snippets I reviewed do not publish a clear guaranteed-approval policy for bad-credit borrowers. That is a good sign. It means the company is not publicly promising impossible outcomes. A borrower with weak credit may still apply, but approval should not be assumed.

5. Loan requirements and eligibility

The clearest official FAQ snippet says the borrower needs a citizen passport, tax ID, and a Ukrainian bank card. The product PDF snippets also show the borrower age range as 18 to 65 years.

A practical eligibility summary looks like this:

Requirement

Publicly visible status

Minimum age

18

Maximum age

65

Identity documents

Passport + tax ID

Bank card

Ukrainian bank card required

Mobile phone

Required for the online process

Email

Not clearly surfaced in the visible snippets

Official employment

Not clearly stated as mandatory

Self-employed applicants

Not clearly addressed in the visible snippets

This means CLY appears to target ordinary adult borrowers in Ukraine with basic digital access and a local bank card. Where exact income or employment rules are not clearly surfaced, the borrower should check the live application and final contract.

6. Loan terms and conditions

The currently visible official product is unusually easy to summarize because the contact/home page and indexed PDF snippets broadly agree.

Loan feature

Publicly visible current terms

Product type

Microcredit

Amount

5,000–8,000 UAH

Term

90 days

Payment frequency

Every 14 days

Total number of payments

7

Daily interest rate

1% per day

Issuance commission

25% of loan amount

Real APR

4,668%

Additional/ancillary services

Not provided in the reviewed product snippet

The two biggest pricing facts are the 1% daily interest and the 25% issuance commission. Together, those make the loan expensive even before any overdue scenario. The real APR of 4,668% confirms that this is emergency credit, not ordinary household finance.

A positive point is that the reviewed official snippet says the lender does not provide additional or ancillary services for this product. That suggests the main cost drivers are the visible interest and commission, not buried add-ons.

First-loan conditions

I did not find a clearly separated first-loan versus repeat-loan tariff in the current official snippets I reviewed. That means borrowers should not assume there is an interest-free first loan or a special repeat-borrower discount unless the live calculator or contract shows it directly.

Penalties for late payment

The indexed current PDF snippets clearly confirm that the agreement contains liability for late or non-performance, but the visible search snippets do not expose one clean numeric penalty formula that I can quote with confidence. The safest and most honest conclusion is this: overdue costs exist and should be checked directly in the final agreement and warning documents before borrowing.

Extension / rollover options

Public official snippets indicate that the lender has a formal consumer-credit contract and warning documents dealing with overdue use and prolongation logic, but I did not find a clean current snippet that sets out a simple “one-click rollover” rule. Because of that, borrowers should verify prolongation availability inside the account or contract instead of assuming it exists on favorable terms.

Early repayment rules

The indexed current credit-terms PDF explicitly states that the borrower has the right to full early repayment at any time, including both before and after the first 14 days. That is an important practical advantage because early closure reduces total interest cost.

Hidden fees or service charges

The public product snippets show a visible 25% issuance commission. That is not hidden. But it is still a major cost that borrowers can underestimate if they focus only on the daily rate. That is the main service charge to watch for in the current public materials.

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

CLY is primarily a bank-card lender. The current FAQ snippet explicitly requires a Ukrainian bank card, and the site markets instant transfer directly to the borrower’s card through Visa and Mastercard payment rails.

Receiving method

Status

Bank card

Supported

Bank account via linked card account

Supported in practice

IBAN / separate local transfer

Not clearly marketed

E-wallets

Not shown

Mobile wallets

Not shown

Cash pickup

Not shown

The most common and fastest payout method is clearly the borrower’s bank card. The site’s operational messaging is built entirely around that route. The visible snippets do not state whether third-party cards are allowed, so the safe assumption is to use a card in the borrower’s own name.

8. Supported repayment methods: how to repay the loan

The current official repayment page snippets show a practical set of methods.

Repayment method

Supported

Practical note

Personal account on website

Yes

Credited within about 5 minutes

PrivatBank terminal

Yes

Pay using company requisites

Online banking

Yes

Pay using company requisites

Bank cash desk / branch

Yes

Pay using company requisites

The repayment page snippets also warn that payments made by requisites may be credited only after 3–5 working days. That is one of the most important practical points on the site, because using the wrong repayment route too close to the due date can create avoidable overdue risk.

The official contact page provides the basic bank details for external repayment: UA033052990000026503006200069 in АТ КБ “ПриватБанк”, MFO 305299, for ТОВ “КЛАЙ ІНВЕСТ.” Borrowers repaying by bank transfer should include the agreement details correctly and keep the receipt until the payment appears in the system.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast online application

Very high real APR

Clear basic document set

25% issuance commission

Money to card within minutes in the typical case

Public pages still contain legacy branding elements

Repayment through account, terminals, online banking, and bank cash desk

Penalty formula is not cleanly surfaced on the public pages

90-day schedule may be easier than one large one-shot payment

Payments by requisites may take 3–5 working days

Early repayment allowed

Public tariff transparency is adequate, not excellent

The overall picture is balanced. CLY is fast and usable, but expensive. The main borrower risk is cost, not access.

10. Who this service may suit

CLY may suit borrowers who need urgent online money until payday, want a small short-term loan, and are comfortable with an online-only process. It may also suit people who value speed over price and can realistically follow a 14-day payment schedule without slipping.

It is a weak fit for anyone looking for low-cost credit, anyone likely to miss payment dates, or anyone already struggling with debt. It is also a weak fit for borrowers who assume that a “small loan” is automatically cheap. With a 4,668% real APR and a 25% commission, that assumption would be wrong.

11. Risks and important things to check before applying

⚠️ Check the real total cost, not just the daily rate.
⚠️ Check the 25% issuance commission before you borrow.
⚠️ Check the payment calendar, because this is a 7-payment schedule, not a one-time settlement.
⚠️ Avoid paying by bank requisites right before the due date if posting can take 3–5 working days.
⚠️ Read the final agreement carefully for overdue rules, because the public page snippets confirm liability exists but do not surface the full penalty formula cleanly.

This is the kind of loan that makes sense only for short-term emergencies and only when the repayment source is clear before borrowing. It is not a healthy way to cover routine monthly shortfalls.

12. Customer support and communication channels

The official contact page publishes a solid support set:

• 0443900332

• +380682994659

• +380504195898

• +380637077229

• info@cly.com.ua

• office hours: Monday to Friday, 9:00–18:00

• lunch break: 13:00–14:00

• weekends off.

That is enough to reach the lender directly, but responsiveness cannot be verified from public documents alone. The support channels are clearly published.

13. FAQ

What is CLY?

CLY is a Ukrainian online loan service operated by LLC “КЛАЙ ІНВЕСТ.”

Is it a direct lender or a broker?

It is a direct lender. The official contact block names ТОВ “КЛАЙ ІНВЕСТ” as the company behind the service.

How fast can I get money?

The site says money usually reaches the card within 5 minutes after approval, and the whole process often takes 5–15 minutes plus form completion time.

What documents do I need?

A passport, tax ID, and a Ukrainian bank card.

How much can I borrow?

The clearest current public product snippets show 5,000–8,000 UAH.

What term does the loan have?

The currently visible public product is shown as 90 days.

How often do I pay?

According to the visible product page, payments are due every 14 days, and there are 7 total payments.

What is the interest rate?

The visible public product is shown at 1% per day.

Is there a commission?

Yes. The current public snippets show a 25% issuance commission.

Can I repay early?

Yes. The indexed current credit-terms PDF says you can fully repay early at any time.

How can I repay the loan?

Through the personal account, a PrivatBank terminal, online banking, or a bank cash desk using the company requisites.

What happens if I miss the due date?

The public snippets confirm that overdue liability exists, but the clean numeric formula is not surfaced clearly in the currently visible public snippets. You should check the final contract and warning document before borrowing.

Can I extend the loan?

Public snippets suggest the contract and warning documents cover prolongation logic, but the visible pages do not present one simple consumer-facing rule. Check the personal account or contract before relying on extension.

Can I receive money on someone else’s card?

The public snippets do not clearly say that third-party cards are allowed. The safe assumption is to use your own Ukrainian bank card.

How do I contact support?

Use info@cly.com.ua or the phones published on the official contact page.

Is this service safe to use?

It is a real Ukrainian financial company with public contacts, NBU visibility, and BankID presence. That does not make it cheap. The main risk is affordability, not whether the lender exists.

14. Final conclusion

CLY is a real Ukrainian online lender with a fast digital process, light documentation, and practical repayment methods. Its currently visible public product is a 5,000–8,000 UAH microcredit for 90 days, paid in 7 installments, with 1% daily interest, a 25% commission, and a disclosed 4,668% real APR. That is a workable emergency-credit product, not an affordable everyday finance tool.

Its main strengths are speed and simplicity. Its main limitations are cost, public-page inconsistency, and incomplete surfacing of late-payment rules in the visible snippets. CLY may suit a borrower who needs a short-term emergency loan and knows exactly how they will repay it. It is a poor fit for recurring cash shortages, loose payment discipline, or anyone who wants cheap credit.

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