Finbert UA

1. Introduction

Finbert is a Ukrainian online lending brand that operates through LLC “Financial Company “Guadiana”. It is a direct non-bank lender, not a bank, not a broker, and not an employer salary-advance service. The official site presents Finbert as a remote credit service that works around the clock, sends money to a bank card, processes requests quickly, and lets borrowers manage repayment through a personal account, payment terminals, bank transfers, and Privat24.

The product is not a classic short payday loan with one repayment after 10–14 days. Finbert’s public site markets a 10–14 day first payment window, but its current product pages and PDFs describe two products, “Найкращий” and “Промо,” with overall contractual terms of 360–364 days, structured payment schedules, and daily pricing that changes after the first 14 days in the promo product. That makes it closer to a longer digital consumer-credit product than to a simple one-shot payday loan.

The main strengths are speed, fully online access, no visible lender-side commissions in the reviewed current product PDFs, and practical repayment channels. The main weak points are very high annualized cost, an aggressive overdue regime, and noticeable inconsistency between some older PDF metadata and current contact-page details.

***

2. What kind of organization is this

The legal operator is ТОВ “ФК “ГВАДІАНА” / LLC “Financial Company “Guadiana,” EDRPOU 42016442. The current contact page identifies the company at 04052, Kyiv, 40 Hlybochytska Street, premises 7, with support phone +380 44 357 07 67, email office@finbert.ua, and working hours Monday to Friday, 09:00–18:00. The same page also lists the company’s bank details and states that the firm holds a financial-company license with the right to provide funds and banking metals on credit.

The current “essential characteristics” PDFs identify the same company and show that the business is licensed as a financial company by the National Bank of Ukraine, with the current licensing basis reflected through a State Register extract dated 22.07.2024 and a financial-institution registration certificate FK No. 1154 dated 03.01.2019. The NBU’s public ownership materials also confirm ТОВ “ФК “ГВАДІАНА”, code 42016442, as an active financial company, and the NBU BankID commercial-subscriber export explicitly lists FINBERT under the same company.

This is an online-only lender in the reviewed public materials. I did not find a public branch-cash model. The site focuses on online registration, identity verification, SMS confirmation, card disbursement, and online repayment.

A practical reputation note: the site presents itself as transparent and legally compliant, but the publicly visible metadata is not perfectly clean. The 2024 PDF still shows one contact phone, while the current contact page shows another, and the company page cites one financial-institution certificate number while the current footer shows another registration-number variant. That does not make the lender fake, but it is a reminder to rely on the live contract and current contact page, not on a single legacy PDF.

3. How the service works

Finbert currently displays two retail products in its “Products” section: “Найкращий” and “Промо.” Both are shown as microcredit products with 1,000–8,000 UAH limits and long contractual terms of 360–364 days. The difference is pricing. The “Найкращий” product uses 1.0% per day across the term. The “Промо” product uses a special rate during days 1–14, then moves to 1.0% per day from day 15 onward.

The homepage calculator is designed around a short first-payment date, showing 10–14 days for the next payment, but the same homepage also publishes representative examples for 360 days and says the service offers “available products” rather than a single tariff. For a 3,500 UAH loan, the site’s own example says the “Найкращий” product produces 12,600 UAH in interest over 360 days and a total repayment of 16,100 UAH. For the “Промо” product, the first 14 days are calculated at 0.01% per day, and days 15–360 at 1.0% per day, for total interest of 12,114.90 UAH and total repayment of 15,614.90 UAH.

The service is fully online. Finbert says requests are processed in about 10 minutes, the platform works 24/7, and applications are handled automatically. The public site also claims about 93.5% approval and says decisions are made quickly because the platform is automated. Those are marketing-facing figures, but they do reflect the operational model.

4. How to get a loan

The public process has three broad steps: application, verification, money to card. The homepage shows this as a simple sequence and says the user submits an application, verifies identity, and then receives funds on the bank card.

The formal rules go deeper. To register, the borrower fills in the site form, provides a mobile number, uploads or transmits identity data, links a bank card, and passes identification and verification through the site’s functionality or, where available, through BankID NBU. The rules also say the borrower may need to provide photo-fixed copies of identity documents and other documents required for due diligence. After successful completion, the borrower gets a personal account.

The borrower must also register the bank card intended for disbursement. The rules state that the card must be linked to the borrower and verified. During card verification, the borrower enters the operation code received from the bank. That strongly implies the payout card must belong to the borrower.

Approval appears mostly automated. The homepage says all processes are automated, while the site also says each request is processed within about 10 minutes. I did not find evidence of a branch-style manual approval model on the reviewed public pages.

The site does not advertise guaranteed approval for bad-credit borrowers. It does say the platform is automated and designed for accessibility, but the rules and product disclosures repeatedly state that final individual terms depend on the result of the company’s creditworthiness assessment. That is the correct reading: broader access than a bank, but still real underwriting.

5. Loan requirements and eligibility

The reviewed current product PDFs show the target customer as a capable natural person who is a resident of Ukraine, aged 18 to 65. The current homepage and company pages also market the product to ordinary retail borrowers without extra document burdens.

The minimum practical requirements are:

Requirement

Publicly stated by Finbert

Age

18–65

Residency

Resident of Ukraine

Documents

Identity documents, including those needed for verification

Phone

Mobile number required

Bank card

Required and must be verified

Email

Used for notices and contract communication

Official employment

Not clearly stated as mandatory

Guarantor/collateral

Not mentioned as required

The site does not clearly market official employment as mandatory. It also does not present a separate self-employed path. The safest reading is that formal proof is minimized, but the creditworthiness check still matters, and the company may request additional identity or supporting documents in the registration flow.

6. Loan terms and conditions

The current public product table is simpler than many competitors, but still expensive.

Product

Amount

Term

APR / real APR

Daily pricing

Commissions

Найкращий

1,000–8,000 UAH

360–364 days

max 3251.30%

1.0% per day

none stated

Промо

1,000–8,000 UAH

360–364 days

max 2159.87% with special rate, 3251.30% without it

0.01% per day days 1–14, then 1.0% per day

none stated

The current “essential characteristics” PDFs say no lender-side commissions or other payments are предусмотрені for these products, and no borrower down payment is required. That is useful because the cost driver here is straightforwardly the interest structure rather than a separate setup fee.

The product is longer than it first looks. The homepage puts the customer’s attention on the next payment date in 10–14 days, but the actual contractual term in the product PDFs is 360–364 days. The repayment structure is also not a pure one-shot bullet. The PDFs say the principal is repaid at the end of term, while interest is paid according to the payment schedule attached to the agreement. That means the borrower should expect scheduled periodic payments, not a single final settlement only.

The older generic microcredit PDF on the site shows a very different short-term model of 10–14 days, 1,000–8,000 UAH, 28,849.07% real APR, and explicit prolongation at 1.5% per day. But the newer product PDFs for “Найкращий” and “Промо” show the current active product logic: long term, no automatic extension, and different APR structure. That is another reason to use the current product-specific PDF and the live contract, not the first PDF you find in the disclosure library.

Late payment penalties

Finbert’s current warning PDF is harsh. If the total credit amount does not exceed one minimum wage at signing, the borrower owes a penalty of 10% of the loan amount for each overdue day during the first five days of delay and 20% of the loan amount for each overdue day from day six onward, with the overall penalty burden capped at double the amount received under the contract.

The warning also says the borrower is liable for 365% annual interest on the overdue amount under Article 625 of the Civil Code of Ukraine, plus inflation adjustment, except where wartime or emergency-law carveouts apply. It also states that a borrower who provides false information to obtain credit can be charged 50% of the loan amount and may be referred to law-enforcement authorities.

Extension / rollover

This is one of the more confusing parts of the site. The older generic microcredit disclosure says prolongation exists and costs 1.5% per day. The repayment page says the borrower can postpone the repayment date from several days up to a month by paying interest or a prolongation commission, and that the loan can be extended “at any time.” But the current product-specific PDFs for “Найкращий” and “Промо” say automatic extension is not provided and that continuation of the contract is not provided. The warning PDF resolves this partly by saying that if a contract is later changed by agreement and prolongation is introduced, the change must not worsen prior consumer terms. The safest practical reading is that automatic extension does not exist, while manual or additional-agreement extension may be possible in some cases or product versions.

Early repayment

Early repayment is clearly allowed. The homepage says early repayment is available. The site also says the borrower may refuse the agreement within 14 calendar days, paying only for the actual usage period, and may fully or partially repay early. That is standard, but with this pricing model it matters a lot.

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

Finbert is primarily a card-disbursement lender. The rules say the credit is issued cashlessly to an account, and the borrower must specify and verify the bank card they want to use for receiving funds. I did not find a public branch-cash option, e-wallet, or mobile-wallet payout.

Receiving method

Status

Bank card

Supported

Bank account via linked card/account

Supported in practice

IBAN/local transfer as separate retail option

Not clearly marketed

E-wallets

Not shown

Mobile wallets

Not shown

Cash pickup

Not shown

The rules strongly suggest name matching. The borrower must register the card intended for disbursement, link it to themselves, and verify it. That is enough to treat third-party card payout as non-standard and unsafe to assume.

8. Supported repayment methods: how to repay the loan

Finbert’s repayment page is practical and specific. It says borrowers can repay:

• online in the personal account

• with cash at any bank cashier

• through payment terminals

• through Privat24.

The repayment methods look like this:

Repayment method

Supported

Practical note

Personal account on site

Yes

Fastest and simplest

Payment terminals

Yes

Choose Finbert and enter your code

Bank cashier / bank transfer

Yes

Use company requisites

Privat24

Yes

Create a new payment and enter requisites

The site’s repayment page explicitly warns that terminal and bank payments may be credited in up to 3 working days. It even tells borrowers that if the loan term is close to expiry, they should use another method to avoid overdue status and penalties. That is unusually practical guidance.

The same page also says that borrowers who cannot repay on time can change the repayment date by paying the current interest or prolongation commission. It adds that the repayment schedule is always visible in the personal account.

The contact page publishes the company bank details for repayment: UA693226690000026505300567213 at Oschadbank, MFO 322669, for ТОВ “ФК “ГВАДІАНА”. Borrowers repaying externally should keep receipts until the payment is reflected, because delayed posting can create real overdue risk.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast fully online flow

Very high annualized cost

Clear product names and product page

Long contract term can be missed if you only look at the first payment date

No lender-side commissions in the current product PDFs

Penalty regime is harsh

Multiple repayment channels

Public disclosure library contains older and newer product logic side by side

Early repayment available

Contact and registration metadata are not perfectly consistent across pages

Practical repayment guidance

Extension rules are not completely clean across documents

This is a service with good operational usability and weak affordability. The main risk is not convenience failure. It is cost and misunderstanding of the product structure.

10. Who this service may suit

Finbert may suit a borrower who needs urgent online money, has a Ukrainian bank card, is comfortable with digital verification, and has a very clear plan to repay within the expected schedule. It may also suit users who value speed and simple online servicing over low cost.

It is a weak fit for anyone seeking cheap borrowing, anyone likely to miss payment dates, or anyone who sees 0.01% for the first payment and assumes the whole agreement is almost free. It is also a weak fit for borrowers who do not read the current product-specific PDF before signing.

11. Risks and important things to check before applying

The first risk is real total cost. On the current active products, the real APR is still above 2000% even with the special first-14-day promo, and above 3000% without it. That is the load-bearing number, not the 0.01% teaser.

The second risk is late-payment penalties. Finbert’s current warning uses very aggressive daily penalty percentages, plus Article 625 overdue interest mechanics, even though caps apply. This is not the kind of product where “I’ll sort it out a week later” is a safe assumption.

The third risk is document inconsistency. The site has current product PDFs, older generic microcredit PDFs, and marketing pages that do not always say the same thing about prolongation, contact numbers, and registration details. The final contract shown in the personal account should be treated as the source of truth.

12. Customer support and communication channels

Finbert’s current contact page shows:

• phone: +380 44 357 07 67

• email: office@finbert.ua

• working hours: Mon–Fri 09:00–18:00

• legal address: 04052, Kyiv, 40 Hlybochytska Street, premises 7

• support callback form on the contact page.

The site also promotes a Telegram presence and a personal account, but the core support channels clearly published are phone and email.

13. FAQ

What is Finbert?

Finbert is a Ukrainian online lending brand operated by LLC “Financial Company “Guadiana.”

Is it a direct lender or a broker?

It is a direct lender. The product PDFs and contact page identify the financial company itself as the creditor.

How fast can I get money?

The site says requests are processed in about 10 minutes, with automated handling and card payout after approval.

What documents do I need?

At minimum: identity documents, mobile number, and a bank card that can be verified. In some cases the company may request photo-fixed copies for identification and due diligence.

What amount can I borrow?

The current active product PDFs show 1,000–8,000 UAH. The homepage marketing block currently shows a calculator range of 3,000–8,000 UAH for the visible promo flow.

What term does the loan have?

The current product PDFs show 360–364 days, even though the homepage highlights a next payment in 10–14 days.

Can I get a loan with bad credit?

Possibly. Individual conditions depend on the lender’s creditworthiness assessment, and the site positions itself as accessible, but it does not guarantee approval.

How can I receive the money?

By cashless transfer to the bank card or account you register and verify.

How can I repay the loan?

Through the personal account, payment terminals, a bank cashier/bank transfer, or Privat24.

What requisites do I need for repayment?

For bank transfer, use the company details published on the contact page: ТОВ “ФК “ГВАДІАНА”, UA693226690000026505300567213, Oschadbank, MFO 322669.

Can I repay early?

Yes. Finbert says early repayment is available, and the law-based withdrawal right within 14 days is also disclosed.

What happens if I miss the due date?

Penalties can apply daily, the debt can become much more expensive, and the lender may involve a collection company or demand early repayment in defined cases.

Can I extend the loan?

Automatic extension is not part of the current product PDFs, but the site says repayment can sometimes be postponed by paying interest or prolongation charges, and the warning says any later-added extension must not worsen prior terms.

Is the first loan interest-free?

No. The first 14 days of the “Промо” product can use 0.01% per day, but the rest of the contract is not free and the full product still has a very high annualized cost.

Can I receive money on someone else’s card?

The rules strongly suggest the card must belong to the borrower and be verified in that borrower’s name.

Is Finbert safe to use?

It is a real licensed lender. That does not make it cheap or low-risk. The main safety issue here is affordability and payment discipline, not whether the company exists.

14. Final conclusion

Finbert is a real Ukrainian online lender with a fast digital process, practical repayment channels, and better operational clarity than many weak loan sites. It is easy to apply, easy to repay, and designed for borrowers who want everything handled online.

Its main limitation is cost. The current active products are expensive in annualized terms, and the overdue regime is aggressive. Finbert may suit a borrower with a genuine short-term emergency and strict repayment discipline. It is a poor fit for recurring budget shortages, casual borrowing, or anyone who reads only the homepage promo and ignores the product-specific PDF and warning document.

LOANS FOR UKRAINE CITIZENS