Novi Kredyty UA

1. Introduction

Novi Kredyty is a Ukrainian online lending service operated by LLC “Фінансова компанія “Нові Кредити”. It is a direct non-bank lender, not a bank, not a broker, and not an employer salary-advance platform. The official site presents it as a fully digital service that sends money to a bank card, works 24/7, and is regulated by the National Bank of Ukraine. The site footer and contact section identify the company as EDRPOU 42152351, located at 4A Mytropolyta Andreya Sheptytskoho Street, Kyiv, with a lending license issued by the NBU on 19.03.2024.

The first thing a borrower should understand is that Novi Kredyty is not just a simple “borrow and repay once in 7–30 days” product. The current homepage calculator structure and official site snippets show at least two layers: a microcredit track and a consumer-credit track, both with payment schedules, issuance fees, service commissions, and multiple payments rather than a single one-shot settlement in every case. The homepage’s public document summary states that the confirmed microcredit range is 500–8,000 UAH for 105 calendar days, with examples that include both interest and a service commission.

The second thing to understand is cost. Novi Kredyty actively advertises a 0.01% first-loan promotion for new clients, but its own public calculations also show a 15% service commission on the principal, a separate one-time issuance payment, and extremely high disclosed real APR ranges. In other words, the promotion is real, but it does not describe the full economic reality of the product. Conditions can vary by product type and borrower profile, so the final passport of consumer credit shown before signing matters more than any promotional banner.

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2. What kind of organization is this

Novi Kredyty is operated by LLC “Financial Company “Novi Kredyty”, a Ukrainian financial company rather than a bank. The site’s legal and contact sections clearly present it as a lender providing loans itself, not as a marketplace routing applications to third parties. The NBU registry output also identifies the same entity, code 42152351, as a financial company as of 01.01.2026.

The service is aimed at retail borrowers in Ukraine who need fast online access to a relatively small or mid-sized amount and do not want bank-style paperwork. The site emphasizes quick digital processing, minimal documents, and repeat access through the personal account. Operationally, the reviewed public materials show an online-only service model: I did not find a current branch-cash issuance option on the official pages reviewed here.

Its market positioning is typical of a mainstream Ukrainian MFO: convenience-first, accessible, and faster than a bank. Its public messaging highlights speed, light documentation, support for repeat borrowers, and willingness to consider users with weak credit history. That makes it easy to use, but not necessarily cheap. The same site that markets convenience also publishes very high annualized cost figures in its visible product summaries.

The regulatory picture is mixed. I did not find a recent public NBU consumer-protection fine specifically naming Novi Kredyty in the sources reviewed here, but in January 2025 the NBU did announce a UAH 595,000 fine against ТОВ “ФК “НОВІ КРЕДИТИ” for AML-related violations. That does not make the lender illegitimate. It does mean trust should come from reading the contract, not from assuming a clean compliance history.

3. How the service works

Novi Kredyty’s public site describes a fully digital lending flow. The borrower fills in a short application, gets a fast automated decision, signs the agreement in the personal account, and receives money on the bank card entered in the application. The service repeatedly states that it works 24/7 and that money can be transferred within 1–2 minutes after signing, with the full first-loan process usually taking 5–15 minutes.

The product structure is more layered than the homepage makes it look. The homepage calculator and public summary snippets show a microcredit product with a 105-day term, one-time issuance payment, ongoing interest, and a 15% service commission on the loan principal. The public examples also show a consumer-credit branch in the calculator with a larger number of scheduled payments, but the clearest currently visible numeric details in the reviewed sources are for the microcredit side. That means exact current consumer-credit parameters should be checked inside the live calculator or personal account before signing.

The most concrete public example available on the site is this: for a new client borrowing 2,000 UAH, Novi Kredyty’s own summary says the borrower first pays a 50 UAH issuance fee, then pays 1% per day interest for 85 days, plus a 15% service commission equal to 300 UAH, and the total cost over 105 days reaches 4,050 UAH. For a repeat client borrowing 7,000 UAH, the same summary shows a 100 UAH issuance fee, 1% daily interest, and a 15% service commission equal to 1,050 UAH. Those are expensive numbers for a small loan.

4. How to get a loan

The practical borrowing process is easy to describe. First, the borrower enters the site and fills in the application with basic personal data. The homepage says the user provides name, tax ID, minimal passport details, email, mobile number, and the card number for disbursement. At that moment, the site automatically creates a personal account for the borrower.

Second, the application goes through review. The site says the decision is usually made automatically and that the result arrives by SMS within about 5 minutes. At the same time, Novi Kredyty also says that if errors or inconsistencies are found in the questionnaire, its operators may call the borrower to clarify the information. So the service is mostly automated, but not entirely hands-off.

Third, after approval, the borrower receives the credit agreement in the personal account and signs it online by entering an SMS code. The site says the money is usually sent to the indicated card within 1–2 minutes after signing, and that the whole process can be finished in under 10 minutes for new clients and about 5 minutes for repeat clients.

The service does not normally require a passport photo in the automated flow. The FAQ says photo upload is not used in the automatic processing of standard applications and that filling in the personal and social questionnaire is usually enough. That reduces friction, but it also means the service relies heavily on the accuracy of the data the borrower enters.

Novi Kredyty openly says it does not usually reject applications because of poor credit history in the way banks do. That does not mean approval is guaranteed. It means the lender is more flexible than a traditional bank, which is common in the MFO sector.

5. Loan requirements and eligibility

The minimum publicly confirmed document set is simple: passport and tax ID. The FAQ says this is one of the service’s main advantages and repeats that the application requires personal data, passport details, tax ID, and bank-card data.

The site also clearly expects the borrower to provide a mobile phone number, email address, and bank card number. The FAQ says those details are required during the application. The public rules additionally show that the lender processes data about the borrower’s employer or educational institution, mobile number, and email address, which implies the application includes some social and employment data even if no formal salary certificate is requested.

Novi Kredyty does not market official employment as mandatory. Its public pages emphasize that no job certificate, collateral, or guarantor is required. But the site still expects the borrower to think realistically about income timing and to choose a term that matches the next salary or other expected income. That means the service is accessible to self-employed and informally employed users, but still relies on repayment capacity.

I did not find a clean current official age range in the reviewed public pages. The service clearly targets adult retail borrowers in Ukraine, but since the age cap was not explicitly surfaced in the accessible sources I reviewed, that exact point should be checked in the live application or contract before borrowing.

6. Loan terms and conditions

The most concrete current public product figures available from Novi Kredyty’s visible calculator summary are for the microcredit branch. The official site says:

Item

Publicly visible microcredit terms

Amount

500–8,000 UAH

Term

105 calendar days

Daily interest

1% per day

One-time issuance payment

15–150 UAH, depending on amount

Service commission

15% of principal

Real APR

about 9,768.48% to 10,570.66%

These figures come from the service’s own visible current product summary on the homepage.

The same public summary shows a separate consumer-credit branch with a larger payment schedule and a lower but still very high disclosed real APR range of about 5,271.44% to 5,431.90%. However, the homepage parser does not expose the full exact amount range for that branch in the currently visible lines, so borrowers should treat the live pre-contract passport as the decisive source.

A key hidden-cost issue is that Novi Kredyty’s visible public terms include both a one-time issuance payment and a service commission equal to 15% of the loan principal. That means the product is not just “1% per day.” The borrower may also pay a setup fee and a servicing fee, which significantly increases the real annualized cost.

On late payment, the site’s public consumer-facing pages say that if the borrower pays on time, no additional payments or penalties are provided. That is the positive case. But the same pages also warn that the borrower should strictly follow the schedule and, if problems arise, should request prolongation or restructuring instead of simply missing the due date. The exact penalty formula is not cleanly published in the accessible public pages I reviewed, so that is something borrowers should verify directly in the agreement.

Early repayment is clearly allowed. The FAQ says the borrower may repay the debt in full or in part early, including commission if applicable and accrued interest at the moment of payment. That is useful, because on this kind of product the value of repaying early is high.

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

Novi Kredyty is primarily a bank-card lender. The site repeatedly says that money is sent to the bank card specified in the application, and the public rules also state that the loan is issued cashlessly by transfer to the borrower’s personal electronic payment instrument.

Receiving method

Status

Bank card

Supported

Bank account via linked card account

Supported in practice

IBAN/local transfer as separate retail option

Not prominently marketed

E-wallet

Not shown

Mobile wallet

Not shown

Cash pickup

Not shown

The public pages do not present third-party-card payout as a normal option. Given the way the application is built around the borrower’s personal card data and the identification logic in the rules, the safe assumption is that the payout card should belong to the borrower.

8. Supported repayment methods: how to repay the loan

Novi Kredyty’s repayment infrastructure is one of its stronger points. The FAQ and repayment page show that the borrower can repay:

• through the personal account

• by bank transfer at bank branches

• through a Monobank terminal

• by bank card in the personal account.

The practical repayment table looks like this:

Repayment method

Supported

Practical note

Personal account

Yes

Main direct route

Bank branch / bank transfer

Yes

Works across Ukrainian banks

Monobank terminal

Yes

Instant posting shown by site

Card repayment in account

Yes

Any card issued by a Ukrainian bank

The official repayment instructions are unusually practical. For bank-cashier repayment, the site says the borrower needs:

• EDRPOU 42152351

• mobile phone number used in the application

• for non-PrivatBank transfers: correct full name and tax ID

• IBAN UA343348510000000000265002058

• bank АТ “ПУМБ”

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

Payment timing also matters. The FAQ says payments through PrivatBank branches usually reach Novi Kredyty in about 20 minutes, while payments through other banks may take up to three working days, and interest does not stop accruing until the lender actually receives the funds. That is why the site explicitly tells users to keep receipts and even send them to info@novikredyty.com.ua if needed.

The Monobank-terminal option is more convenient. The FAQ says the borrower can choose “Novi Kredyty,” enter either the registered phone number or tax ID, choose full repayment or a scheduled payment, and the money is reflected instantly in the system. The FAQ also says Monobank terminal payments are accepted without commission for Novi Kredyty clients.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast fully online process

Very high real APR

Light document set

Issuance fee plus 15% service commission

Personal account and instant Monobank-terminal repayment

Public penalty formula is not clearly surfaced

Prolongation and restructuring options exist

Public product structure is fragmented

Works 24/7

Conditions vary between microcredit and consumer-credit branches

Accessible to borrowers with weaker credit profiles

Cost can be much higher than the 0.01% promo suggests

Operationally, Novi Kredyty is practical and easy to use. Financially, it is expensive. The main borrower risk is not speed or access. It is underestimating the real cost because of the first-loan 0.01% messaging.

10. Who this service may suit

Novi Kredyty may suit a borrower who needs urgent money until payday, wants an online-only process, has a Ukrainian bank card, and is reasonably sure they can repay on schedule. It may also suit people with limited credit history or a damaged profile who would likely be rejected by banks.

It is a weak fit for anyone looking for low-cost borrowing, anyone who might need to keep the debt open for a long period, or anyone who is likely to miss payment dates and then rely on prolongation repeatedly. With this type of pricing, repeated extensions can become expensive very quickly.

11. Risks and important things to check before applying

The biggest risk is real total cost. Novi Kredyty’s own visible examples show that the borrower may pay a one-time issuance amount, 1% daily interest, and a 15% servicing commission. That is far more expensive than the 0.01% headline suggests.

The second risk is payment timing. If you repay through a slower bank-transfer channel, the lender says interest continues until the money reaches its account. That means a late or slow transfer can create extra cost even if you initiated the payment on time.

The third risk is assuming prolongation is free. It is not. The site says prolongation requires you to pay the interest and then extend the term through the personal account or through arrangements with the company. That is a useful emergency tool, but not cheap flexibility.

12. Customer support and communication channels

Novi Kredyty’s current official support channels are straightforward:

• hotline 0 800 301 008

• email info@novikredyty.com.ua

• mailing address 4A Mytropolyta Andreya Sheptytskoho Street, Kyiv

• service availability 24/7

• personal account at my.novikredyty.com.ua.

That is a better support layer than many thinner MFO sites, especially because the company clearly explains how to contact it in cases of account compromise, payment mismatch, or consumer complaints.

13. FAQ

What is Novi Kredyty?

Novi Kredyty is a Ukrainian online lending service operated by LLC “Financial Company “Novi Kredyty”, a licensed financial company.

Is it a direct lender or a broker?

It is a direct lender, not a broker. The official site and NBU registry identify the company itself as the financial service provider.

How fast can I get money?

Usually very quickly. The site says approval often comes within 5 minutes, and funds may reach the card 1–2 minutes after signing.

What documents do I need?

At minimum: passport and tax ID, plus your mobile number, email, and bank-card details.

Can I get a loan with bad credit?

Possibly. The site openly says it is less strict than banks about previous credit issues, but approval is still not guaranteed.

How can I receive the money?

Primarily by transfer to the bank card specified in the application.

How can I repay the loan?

Through the personal account, by bank transfer in bank branches, by card in the personal account, or through a Monobank terminal.

What payment details do I need for bank repayment?

You need EDRPOU 42152351, your registered phone number, and for some bank transfers also your full name and tax ID. The official IBAN is UA343348510000000000265002058 in ПУМБ.

Can I repay early?

Yes. The FAQ says early full or partial repayment is allowed.

What happens if I miss the due date?

The public pages do not present one clean current penalty formula in the sources reviewed here, but they clearly warn that if you do not follow the repayment terms, you should contact the lender for prolongation or restructuring instead of ignoring the debt.

Can I extend the loan?

Yes. The site says you can request prolongation through the personal account by paying the accrued interest and extending the loan for another term.

Is the first loan interest-free?

Not exactly. The service runs a 0.01% promotion for new clients, but the overall product still includes other charges and high annualized cost.

Can I receive money on someone else’s card?

The reviewed public flow assumes the card belongs to the borrower. Third-party payout is not presented as a standard option.

How do I contact support?

Use 0 800 301 008, info@novikredyty.com.ua, or the contact options in the personal account.

Is Novi Kredyty safe to use?

It is a real licensed lender, but it is still a high-cost MFO product. Legitimacy does not mean affordability.

14. Final conclusion

Novi Kredyty is a real Ukrainian online lender with a fast application process, decent repayment infrastructure, and clear direct-lender status. From an operational standpoint, it is easy to use and better documented than many thin loan sites.

From a pricing standpoint, it is a high-cost credit product. The official public calculations show that the real burden can be much higher than the 0.01% marketing message suggests because the lender also uses a one-time issuance payment, 1% daily interest, and a 15% servicing commission. Novi Kredyty may suit a borrower with a genuine short-term emergency and strict repayment discipline. It is a poor fit for recurring budget shortages, casual repeat borrowing, or anyone who does not read the exact credit passport before signing.

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