CreditPlus.UA

Introduction

CreditPlus is a Ukrainian online lending service operated by LLC “AVENTUS UKRAINE”. It is a direct non-bank lender, not a bank and not a broker. The current retail product on the official site is Plus 365, with first loans from 500 to 30,000 UAH and repeat loans from 1,000 to 50,000 UAH. The site advertises a reduced first-period rate of 0.01% per day for qualifying borrowers, while the standard rate shown on the product page is 1% per day.

The product is not a classic “payday loan for 7–30 days with one repayment at the end.” CreditPlus publicly states that the full credit term is 345 to 365 days, while the borrower chooses the periodicity of interest payments: 3 to 30 days for a first loan and 5 to 30 days for a repeat loan. In practical terms, this is closer to a long-format online consumer loan with frequent interest payments and final repayment of principal, not a simple one-shot payday advance.

That difference matters because the product can look cheap in the banner and still become expensive in the contract. CreditPlus is strong on speed, remote access, and repayment convenience. It is weak on overall cost once the loan stays open beyond the first discounted period, and it carries a clear penalty structure if the borrower misses payments.

***

What kind of organization is this

CreditPlus is the trading brand of LLC “AVENTUS UKRAINE”, EDRPOU 41078230. The company’s contact page states that it holds a license for granting funds and banking metals on credit, with the National Bank of Ukraine’s license record reissued on 14 March 2024, and a financial-institution registration certificate FK No. 870 dated 28 February 2017. The current legal and mailing address published on the site is 90-A Beresteiskyi Avenue, Kyiv, 03062.

Operationally, CreditPlus is an online-only retail lender. The product page says loans are оформлюються online through the website or the CreditPlus mobile app, and support is provided through phone, email, Messenger, Telegram, and Viber. The site also says applications are accepted 24/7, while customer support works daily from 8:00 to 22:00.

In market-position terms, CreditPlus looks like a mainstream digital MFI rather than a thin lead-generation page. It publishes corporate details, product terms, repayment instructions, complaint contacts, and document links. That is a positive sign for transparency. It does not mean the credit is low-cost. Legitimacy and affordability are separate issues.

How the service works

The current product is Plus 365. The public FAQ explains it simply: the borrower can use the product for up to one year, pays regular interest according to an individual schedule, and repays the loan amount together with interest in the last payment. The same FAQ says that to avoid overdue status, the borrower generally needs to pay the interest accrued for the current period; if the payment exceeds current interest, the extra amount goes toward reducing principal.

This structure changes how the loan behaves. With a classic payday loan, the whole debt is usually due once, soon after borrowing. With CreditPlus, the borrower services the loan through repeated payments over a longer contractual term. That can make near-term payments smaller, but it can also keep the debt alive much longer and raise the total borrowing cost sharply.

The site says first-loan applications are usually reviewed in up to 15 minutes, repeat-loan applications in up to 5 minutes, and in some cases a decision may take up to 24 hours. It also says funds are transferred to the payment card immediately after signing the electronic agreement, with application processing available 24/7.

The lender also says it reviews 100% of applications, including applications from customers with problematic credit history. At the same time, that is not a promise of approval. It is better read as a statement that CreditPlus is willing to score subprime profiles rather than reject them automatically.

How to get a loan

For a new borrower, the flow is straightforward. The main page says you register, choose the needed amount, and choose the payment timing. Then you wait for the decision and, if approved, receive the money on your card. The FAQ expands that flow: enter your phone number, confirm it via SMS, Telegram, or Viber, fill out the registration form with name, date of birth, passport data, tax number, and add the details of a bank card from a Ukrainian bank. The site explicitly says the card must belong to you.

Identity verification is not described on the current public pages as a complex branch-style process. The site relies on the digital account flow, phone confirmation, personal-data entry, and card registration. Once approved, the borrower reviews the documents in the account and signs the agreement electronically. CreditPlus treats the electronic contract as the binding lending step, and after that the money is sent to the card.

Income or employment documents are not positioned as a hard requirement. The homepage says CreditPlus is ready to consider borrowers regardless of employment type, including students, pensioners, and temporarily or permanently unemployed applicants, provided they have stable income and creditworthiness. That is not the same as “no underwriting.” It means formal employment is not a mandatory gate on the public retail path.

For bad-credit borrowers, the same logic applies. CreditPlus openly says it considers applications from people with poor credit history. That can make it more accessible than a bank, but approval still depends on the lender’s internal assessment.

Loan requirements and eligibility

The current product page shows the borrower age range as 18 to 68 years for a first loan and 18 to 70 years for a repeat loan. Older PDF disclosures for earlier product versions show 18 to 65 years, which suggests the public rule has changed over time. For a current review, the live product page is the safer source of truth.

The basic document set on the current site is simple: passport of a citizen of Ukraine, tax identification number, phone number, and a personal payment card. The FAQ and homepage both say the borrower must add a bank card from a Ukrainian bank, and that the card must belong to the borrower.

The site does not present official employment as mandatory. It also does not say self-employed applicants are excluded. The fair reading is that salaried workers, self-employed borrowers, students, pensioners, and non-standard earners may apply, but approval depends on income stability and creditworthiness rather than job title alone.

Loan terms and conditions

The table below compiles the current public terms for Plus 365 from the official product page and FAQ.

Item

First loan

Repeat loan

Amount

500–30,000 UAH

1,000–50,000 UAH

Age

18–68

18–70

Full term

345–365 days

345–365 days

Interest payment periodicity

3–30 days

5–30 days

Standard rate

1% per day

1% per day

Reduced first-period rate

0.01% per day if loyalty-program conditions are met

may be reduced to 0.01% per day if loyalty-program conditions are met

Real APR

1,244.55%–3,546.38%

1,244.55%–3,422.24%

Disbursement

to payment-card details

to payment-card details

The headline rate can mislead careless borrowers. The reduced 0.01% per day rate applies only to the first chosen period and only when the borrower meets the contract and loyalty-program conditions. After that, the standard 1% per day rate applies. The product page is explicit about this.

The real annual percentage rate is the more useful figure for comparison, and it is very high: up to 3,546.38% for first loans and up to 3,422.24% for repeat loans under the currently published ranges. This is a costly credit product once it goes beyond the first reduced period.

The site also says borrower costs depend partly on the chosen repayment method, because banks or payment providers may charge their own fees even if CreditPlus itself does not charge a payment fee. That is an important practical detail often missed by borrowers who focus only on the lender’s interest rate.

Penalties for late payment

CreditPlus publishes a clear penalty structure on its current product page and FAQ. If the borrower fails to repay the loan or interest properly, the contract penalty is calculated in absolute form based on these rules:

Delay stage

Publicly stated penalty logic

Day 1–3 after due date

no penalty is charged if the overdue amount is paid within these 3 consecutive calendar days

Day 4

12% of the original loan amount for four days of violation, but at least 200 UAH

Day 5 onward

3% of the original loan amount for each day of violation, but at least 20 UAH per day

These penalties are not small. Even with legal caps in the background, this is a serious overdue regime. The FAQ also says missed payments can damage credit history, and the company reports credit data to the Ukrainian credit bureau.

Extension / rollover

This is the most confusing part of the public disclosure. The current product page says that consumer-initiated prolongation is not provided, and that extension can occur only if the company offers it to the consumer without worsening prior terms. At the same time, the FAQ describes a practical extension process: after the contract term ends, an offer to sign an additional agreement may appear in the account; if it does, the borrower must first pay accrued interest and any penalties, then sign the additional agreement, and the loan is extended again for 345 to 365 days at the standard 1% per day rate.

The safest interpretation is this: there is no guaranteed self-service rollover right, but CreditPlus may offer an extension through an additional agreement in the account. That is materially different from a fully automatic or always-available rollover button.

Early repayment

CreditPlus clearly allows full and partial early repayment. The FAQ says the borrower may repay the credit early on any day, interest is charged only for the days the borrower actually used the money, and partial early repayment is done through the “Early repayment” section in the personal account or app. The FAQ also notes that if early principal repayment is made on a non-payment date, the later schedule is recalculated while the final maturity date remains unchanged.

Supported payout methods: how users can receive the loan

CreditPlus is primarily a card-disbursement lender. The current product page says the credit is issued by payment-card details, and the FAQ says the borrower must add the details of a card from any Ukrainian bank, with the condition that the card belongs to the borrower. The site also explicitly says the company does not issue cash.

The table below summarizes the current public payout picture.

Payout method

Current public status

Bank card

Supported

Bank account via card details

Supported in practice through the card route

IBAN transfer as a separate retail option

Not promoted

E-wallets

Not promoted

Mobile wallets

Not promoted

Cash pickup

Not available

Third-party card/account

Not indicated as allowed; borrower’s own card is required

For a borrower comparing lenders, this means CreditPlus is straightforward but narrow on disbursement. It is fast if you want money on your own card. It is not built around branch cash or alternative wallet payout.

Supported repayment methods: how to repay the loan

Repayment is one of CreditPlus’s strongest operational areas. The dedicated repayment page says borrowers can repay in these ways:

Repayment method

Supported

Practical note

Payment card in personal account

Yes

Fastest direct method

Mobile app

Yes

Same account-based logic as website

PrivatBank terminal

Yes

Enter phone number or tax ID

Privat24

Yes

Search CreditPlus and pay

EasyPay terminal

Yes

Enter tax ID or registered phone

City24 terminal

Yes

Enter tax ID or registered phone

Bank transfer by requisites

Yes

Can take several days to post

CreditPlus also publishes exact bank details for transfer repayment: LLC “AVENTUS UKRAINE”, EDRPOU 41078230, IBAN UA443052990000026505015000946 at PrivatBank, MFO 305299, with payment purpose including the loan number, full name, and tax ID.

Two practical warnings matter here. First, CreditPlus says it does not charge a payment commission itself, but the bank or payment provider may charge one. Second, repayment by requisites may take several days to post, and according to the contract the payment date is the date when the funds are credited to CreditPlus’s account, not the date when the borrower presses “send.” That creates real timing risk near the due date.

Borrowers should keep receipts or screenshots for any terminal or bank-transfer payment. The site does not phrase this as a marketing instruction, but operationally it is the only sensible practice when posting delay can affect overdue status.

Advantages and disadvantages

The balance below reflects the current public product design rather than customer reviews or marketing claims.

Advantages

Disadvantages

Fast online processing

Very high real APR

Clear public product page

Expensive once used beyond the first reduced period

Broad repayment menu

Strict overdue penalty logic

Full and partial early repayment allowed

Extension is discretionary, not a guaranteed self-service right

Works with borrowers outside classic salaried profiles

Payment by requisites may post slowly

Card payout is fast and simple

No cash payout or alternative wallet payout

Who this service may suit

CreditPlus may suit a borrower who needs urgent online cash, has a personal Ukrainian bank card, and has a clear plan either to repay very early or to follow the payment schedule strictly. It may also suit borrowers who want digital convenience and multiple repayment channels. The site’s own language suggests it is prepared to review applications from borrowers with non-standard employment or imperfect credit history, though that is not a guarantee of approval.

It is a weak fit for anyone looking for low-cost credit, anyone who routinely covers monthly shortages with new debt, or anyone likely to miss payment dates. It is also a weak fit for borrowers who see 0.01% and assume the whole contract is cheap. The official APR ranges show otherwise.

Risks and important things to check before applying

⚠️ Check the full term of 345–365 days, not just the first payment period.
⚠️ Check the real APR, not the banner discount.
⚠️ Check whether you are relying on an extension that may never be offered.
⚠️ Check the repayment channel you plan to use, because bank-transfer posting can take days.
⚠️ Check that the card is yours and active before applying.
⚠️ Treat this as an emergency liquidity tool, not routine household finance.

Customer support and communication channels

The current site lists customer support by phone, email, and chat channels. The repayment and contact pages show phone 0 800 300 093, email support@creditplus.ua, and support through Messenger, Telegram, and Viber, with working hours Monday to Sunday, 8:00–22:00. The site also says application processing itself is available 24/7, and the service has a mobile app for Android and iPhone.

FAQ

What is CreditPlus?

CreditPlus is a Ukrainian online lending brand operated by LLC “AVENTUS UKRAINE”, a licensed non-bank financial company.

Is CreditPlus a direct lender or a broker?

It is a direct lender. The company states that it provides financial services without intermediaries.

How fast can I get money?

The current site says first-loan applications are usually reviewed in up to 15 minutes, repeat-loan applications in up to 5 minutes, and money is transferred to the card after signing the electronic agreement.

What documents do I need?

Passport of a citizen of Ukraine, tax ID, phone number, and a personal bank card from a Ukrainian bank.

Do I need official employment?

The site does not present official employment as mandatory. It says it also reviews students, pensioners, and unemployed applicants who have stable income.

Can I get a loan with bad credit?

Possibly. CreditPlus says it reviews applications from customers with problematic credit history, but that is not a promise of approval.

How can I receive the money?

The standard public route is disbursement to the borrower’s own payment card. Cash pickup is not available.

How can I repay the loan?

Through the personal account, the mobile app, Privat24, PrivatBank terminals, EasyPay, City24, or bank transfer by requisites.

What payment details are needed for bank transfer?

CreditPlus says to use its published bank requisites and include the loan number, full name, and tax ID in the payment purpose.

Can I repay early?

Yes. Full and partial early repayment are allowed on any day, and interest is charged only for the actual days of use.

What happens if I miss the due date?

If the overdue amount is not paid within three calendar days after the due date, penalties start: 12% of the original loan amount on day 4 and 3% of the original amount per day from day 5, subject to minimum amounts stated on the site. Missing payments can also damage your credit history.

Can I extend the loan?

Not as a guaranteed borrower-initiated right. The product page says consumer-initiated prolongation is not provided, but the FAQ says CreditPlus may offer an additional agreement in the account after maturity.

Is the first loan really almost free?

Only for the first chosen period and only if the borrower meets the loyalty-program and contract conditions. The full product is not cheap.

Can I receive money on someone else’s card?

The current site says the card added during registration must belong to the borrower, so third-party card payout should not be assumed.

How do I contact support?

By phone, email, Messenger, Telegram, Viber, or the site’s mobile-app and personal-account channels.

Is CreditPlus safe to use?

It is a real licensed Ukrainian lender with public product pages, repayment instructions, and corporate details. That does not make the credit low-cost or low-risk.

Final conclusion

CreditPlus is a real Ukrainian online lender with a stronger public disclosure layer than many thin payday-loan sites. It is fast, fully digital, and practical to use. The product page, FAQ, repayment page, and contact page together give a borrower enough information to understand how the service works before applying.

The main limitation is cost. The reduced first-period rate is real, but it does not define the whole contract. The published 1% daily standard rate, 1,244.55%–3,546.38% APR range, strict overdue penalties, and uncertain extension path make this a high-cost credit product. CreditPlus may suit a borrower with a real short-term cash gap and disciplined repayment behavior. It is a poor fit for recurring budget shortages, weak payment discipline, or anyone who mistakes the promo banner for the real cost of the full agreement.

LOANS FOR UKRAINE CITIZENS