SelfieCredit Android UA

1. Introduction

SelfieCredit is a Ukrainian online lending service operated by LLC “Selfie Credit”. It is a direct non-bank lender, not a bank and not a loan broker. The official site identifies the company as TOV “Selfie Credit,” EDRPOU 43979069, with a financial-institution registration certificate dated 21 September 2021 and an NBU reissued license record dated 27 March 2024. The National Bank had earlier announced that TOV “Selfie Credit” received a license to provide loans, including financial credit, in May 2021.

At first glance, SelfieCredit looks like a classic payday-loan site. In practice, the current live product is more nuanced. The main product shown on the site is NewShort, which gives first-time borrowers 400 to 25,000 UAH and repeat borrowers 500 to 50,000 UAH, but the contract structure runs for 345 to 365 days, with interest paid every 5 to 30 days and the principal repaid at the end of the term. That makes it closer to a short-period-payment credit line than to a single-payment payday loan.

The strengths are obvious: fully remote issuance, fast decisions, no employment certificate requirement on the public pages, payout to a personal bank card, early repayment without commission, and several repayment channels including the site, Privat24, terminals, and bank transfer. The weak points are also clear: the real annual cost is very high, the first discounted period can create a misleading impression of cheap borrowing, and SelfieCredit was fined by the NBU in March 2025 for AML/financial-monitoring violations.

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2. What kind of organization is this

SelfieCredit is a direct lender. The legal documents on the site identify the lender itself as LLC “Selfie Credit”, and the site footer states that the company does not use credit intermediaries. The documents page and the essential-characteristics PDF both present the lender as the party issuing the credit and servicing the borrower relationship.

The company operates in Ukraine and targets ordinary retail borrowers. Its FAQ says it lends to Ukrainian citizens aged 18 to 65 regardless of social status, and the site repeatedly frames the service as money for common household needs, urgent spending, and “money until payday.” The same materials show that the service is designed around remote onboarding and remote servicing rather than branch visits.

Operationally, SelfieCredit is online-first and essentially online-only for the mainstream retail flow. The “How to get a loan” page says the borrower chooses terms, fills in an application with a selfie, signs by SMS code, and receives money on the card. The homepage also says the product can be оформлено through the website or mobile app.

In market-position terms, SelfieCredit sits in the fast, high-cost online MFO segment. That said, it is not a tiny anonymous landing page. The NBU’s January 2026 announcement on significant financial companies included TOV “Selfie Credit”, which suggests the company is meaningful in scale within the nonbank segment, even if that does not say anything positive about pricing.

3. How the service works

The live product shown on the site is NewShort. The homepage states that the first-loan range is 400 to 25,000 UAH, the repeat-loan range is 500 to 50,000 UAH, the term is 345 to 365 days, and the borrower pays interest every 5 to 30 days depending on agreed conditions. The same page says first loans can take up to 10 minutes to process, while repeat loans can take up to 5 minutes.

The public pricing structure has two main layers. The standard rate is 1% per day or 365% annual nominal rate. For first loans, the site says the rate may be reduced to 0.01% per day for the first payment period of 5 to 30 days if the borrower meets contract and loyalty-program conditions. For repeat loans, the site shows a possible reduced first-period rate down to 0.05% per day when a qualifying discount or promo condition exists.

That discount can make the product look cheap when it is not. The essential-characteristics PDFs show that the real APR ranges from 1244.55% to 3422.24% on both the consumer-credit and microcredit disclosures, depending on the amount, payment interval, discount period, and loyalty conditions. The site also states that there are no lender commissions or other lender fees built into the contract itself.

The sample-calculation PDF is useful because it shows the real economics clearly. A first loan of 10,000 UAH for 15 days at 0.01% per day costs only 15 UAH, but a 1,000 UAH loan over 360 days with the first period at 0.01% and later periods at 1% produces 3,501 UAH in total costs and a 2329.79% real APR. A standard 1,000 UAH loan at 1% per day over 360 days produces 3,600 UAH in costs and a 2333.95% real APR.

So the practical truth is simple: SelfieCredit works best as a very short bridge if the borrower actually exits during or near the first discounted period. It becomes an expensive long-duration product if the borrower keeps rolling through repeated payment periods.

4. How to get a loan

The application flow is fully remote. SelfieCredit’s “How to get a loan” page breaks it into four steps: choose conditions in the calculator, fill in the application with a selfie, sign the contract by SMS code, and receive the money on the card. The page also says the system analyzes the borrower’s credit history and automatically pulls basic information, reducing manual data entry.

The site’s FAQ and product pages add a few operational details. The borrower needs a passport, tax ID, mobile phone, and bank card issued in the borrower’s own name. The homepage also says the company does not ask for documentary proof from the workplace or proof of real estate.

Identity verification can happen through several remote channels. SelfieCredit has a dedicated BankID information page, and the homepage states that application can happen through the website or app with remote identification/verification under Ukrainian regulations. For first loans, the site also describes the application as “with a selfie,” which appears to be part of the onboarding and identity workflow.

Approval is partly automated. The homepage FAQ says the company’s automatic system analyzes applications, with decisions for repeat clients in about 5 minutes and for new clients in up to 10 minutes. That is consistent with a digital-first underwriting model, even if edge cases can still take longer.

5. Loan requirements and eligibility

The eligibility rules on the public pages are straightforward. SelfieCredit says it lends to Ukrainian citizens aged 18 to 65. The key requirements are a passport, RNOCPP / tax ID, mobile phone, and a bank card issued in the borrower’s own name. The “credit without collateral” page adds that the card should be a debit card, issued in the borrower’s name, and have at least 1 UAH on the balance.

The public materials do not require formal employment documents. The FAQ explicitly says the lender does not ask for documentary confirmation from work. That strongly suggests official employment is not mandatory. In practical terms, this usually means self-employed and informally employed borrowers can apply if they pass scoring, though final approval still depends on the lender’s risk assessment.

One additional point matters for bad-credit borrowers. A site page on bad credit says the borrower should not have open loans with overdue debt, but a poor historical record by itself does not automatically exclude them. That is more permissive than a bank, though still not the same as guaranteed approval.

6. Loan terms and conditions

The cleanest way to describe SelfieCredit’s terms is to separate the public product table from the legal disclosures.

Item

First loan

Repeat loan

Amount

400–25,000 UAH

500–50,000 UAH

Contract term

345–365 days

345–365 days

Interest-payment interval

every 5–30 days

every 5–30 days

Standard rate

1% per day

1% per day

Possible reduced first-period rate

0.01%–0.99% per day

0.05%–0.99% per day

Real APR

1244.55%–3422.24%

1244.55%–3422.24%

Lender commission

not provided

not provided

Automatic extension

not provided

not provided

This table is grounded in the homepage, FAQ, and the two January/November disclosure PDFs.

A few points deserve emphasis.

First, the standard rate is fixed at 1% a day. Second, the discounted rate is conditional on loyalty-program terms or other agreed conditions. Third, the contract is long in headline duration, but the borrower does not make equal installment repayments of principal; instead, the site says the principal is repaid once at the end, while interest is paid at intervals of 5 to 30 days. That structure can keep the debt alive for a long time if the borrower only services interest.

SelfieCredit also says no commissions are built into the loan. That is a genuine positive relative to some competitors that add issuance fees. But it does not change the fact that the real annualized cost is still extremely high because of the daily rate and the structure of repeated interest periods.

Late payment and penalties

The penalty clause is clearly disclosed. The legal documents say:

• on the third day of non-payment, the fine is 15% of the loan amount for the three days of violation, but at least 250 UAH and no more than 1,500 UAH;

• from the fourth day onward, the fine is 3% of the loan amount per day, but at least 50 UAH and no more than 300 UAH per day.

The same document says no fine is charged during the first two calendar days after the payment due date if the borrower repays within that time, and the total penalty is capped by Ukrainian consumer-credit law.

Extension and continued use

The legal disclosures say automatic extension is not provided. But the dedicated “How to continue using the credit” page explains a practical continuation model: the borrower enters the personal cabinet and makes the regular payment, after which the payment schedule updates from the date of payment. The same page warns that after the first grace / discounted period is closed, further accrual happens at the standard 1% rate. So the product does not auto-roll over in a legal sense, but it does allow continued use through regular servicing payments.

Early repayment

SelfieCredit highlights early repayment without commission across the product pages. That is consistent with the sample calculations and with the legal structure. For a borrower who exits early, this is one of the few ways to keep the product from becoming very expensive.

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

SelfieCredit’s public offer is centered on card payout. The documents say the loan is issued in cashless form to the consumer’s account, including through the details of a payment card. The FAQ and eligibility pages repeatedly say the card must be issued in the borrower’s own name.

Receiving method

Status

Personal bank card

Supported

Bank account via linked card account

Supported in practice

IBAN-only transfer as a separate public retail route

Not highlighted

E-wallet

Not shown

Mobile wallet

Not shown

Cash pickup

Not shown

The public wording is strong enough that third-party cards should be treated as not allowed in the normal flow. That is the safest interpretation because the site repeatedly says the card must be issued in the borrower’s name.

8. Supported repayment methods: how to repay the loan

SelfieCredit gives borrowers several repayment channels. The homepage FAQ and dedicated repayment page list these methods:

• personal cabinet on the site;

• Privat24;

• PrivatBank terminals;

• City24 terminals;

• cash desk of any Ukrainian bank.

The repayment page provides practical details. For City24, the borrower chooses SelfieCredit under credit organizations, selects full or partial repayment, enters the contract number, and pays. For Privat24, the borrower searches for company code 43979069, enters the contract number in the “Dogovir” field, and includes their RNOCPP / tax ID in the payment purpose.

For repayment through a bank cashier, the site publishes the full requisites:

• recipient: LLC “Selfie Credit”;

• EDRPOU: 43979069;

• account: UA493052990000026501016800439;

• bank: AT KB “PrivatBank”;

• MFO: 305299;

• payment purpose: “Payment for credit No. XXXXXXX, client full name, RNOCPP XXXXXXXX”.

The repayment page also warns that interbank transfers can take one operating day within the same provider and up to two operating days if different payment providers are involved. The site explicitly says that this timing can cause overdue performance of the credit obligation. That is a meaningful warning: a borrower paying by bank transfer near the due date is taking timing risk.

The company says it does not charge commission when receiving payments, but the chosen payment service or card issuer may charge one. The prolongation / regular-payment page also says the current rate, payment schedule, and contract are always available in the personal cabinet.

9. Advantages and disadvantages

Advantages

Disadvantages

Direct licensed lender

Very high real APR

Fully online onboarding

Long-duration structure can keep debt alive

Fast approval, especially for repeat clients

Discounted first period can create false sense of affordability

No documented lender commission

Penalties after missed payments are meaningful

Early repayment without commission

Automatic extension is not provided

Several repayment channels

Bank-transfer posting delays can create overdue risk

Website and mobile app support

NBU AML fine in 2025 weakens compliance profile

These are the practical trade-offs visible from the official site and NBU materials.

10. Who this service may suit

SelfieCredit may suit borrowers who need urgent online cash, can handle the process entirely remotely, and are reasonably confident they will repay during or near the first discounted payment period. It may also suit repeat borrowers who value quick automated decisions and do not want to visit an office.

It is a weak fit for anyone seeking cheap long-term borrowing, anyone already under repayment stress, or anyone likely to make only regular interest payments while leaving the principal for later. Because the principal is typically due at the end, the product can look manageable month to month and still remain expensive overall.

11. Risks and important things to check before applying

The first thing to check is the real total cost, not just the first discounted rate. SelfieCredit’s own sample calculations show that a tiny first-period cost can quickly turn into a multi-thousand-percent annualized cost if the loan stays open.

The second thing to check is the payment interval you selected. The site says interest may be due every 5 to 30 days. A borrower who picks a short interval gets frequent servicing obligations. Missing one can end the promotional pricing and trigger penalties.

The third thing to check is the repayment method. Bank transfer is slower and may take up to two operating days in some cases. Near the due date, the personal cabinet or faster payment channels are operationally safer. Proof of payment should always be kept.

The fourth thing to check is the lender’s compliance profile. SelfieCredit is a real lender, but the NBU imposed a 875,647 UAH fine in March 2025 for failures in AML/financial-monitoring organization and customer due diligence. That does not prove borrower abuse, but it is a legitimate caution flag.

12. Customer support and communication channels

SelfieCredit has a stronger support footprint than many smaller MFO sites. The public pages list:

• phones: (044) 333 43 56 and (093) 333 43 30;

• email: info@selfiecredit.com.ua on the legal PDF and [email protected] on the live site pages;

• support via Messenger, Telegram, and Viber;

• website personal cabinet;

• mobile app.

There is also a difference between service availability and support hours. The homepage says online applications are accepted and processed 24/7, but live support hours are shown as Monday to Friday 8:00–23:00 and Saturday to Sunday 8:00–21:00. That means the platform is always open, while human support has shorter hours.

13. FAQ

What is SelfieCredit?

SelfieCredit is a Ukrainian online loan service operated by LLC “Selfie Credit”, a licensed non-bank financial company.

Is SelfieCredit a direct lender or a broker?

It is a direct lender. The official site and documents identify TOV “Selfie Credit” as the lender and say it does not use credit intermediaries.

How fast can I get money?

The site says decisions for repeat borrowers can take about 5 minutes, and for new borrowers up to 10 minutes. After signing, money is sent to the card immediately.

What documents do I need?

A passport, tax ID, mobile phone, and a bank card in your own name.

Do I need official employment?

The public pages say SelfieCredit does not ask for documentary confirmation from work, so official employment documents are not part of the standard public requirements.

Can I get a loan with bad credit?

Possibly. The site suggests that bad historical credit is not an automatic disqualifier, but open overdue loans are a problem, and final approval still depends on scoring.

What amount can I borrow?

New borrowers can usually access 400–25,000 UAH and repeat borrowers 500–50,000 UAH under the current NewShort product.

What is the loan term?

The current NewShort product runs for 345–365 days, with interest-payment intervals of 5–30 days.

How can I receive the money?

Funds are transferred cashlessly to the borrower’s personal bank card.

How can I repay the loan?

Through the personal cabinet, Privat24, PrivatBank terminals, City24 terminals, or at the cash desk of any Ukrainian bank using published requisites.

What details do I need for bank repayment?

You need the contract number, your full name, and your RNOCPP / tax ID, plus the lender’s published bank details.

Can I repay early?

Yes. SelfieCredit states that early repayment is possible without commission.

Is the first loan interest-free?

Not exactly. The site says the first loan may have a reduced rate from 0.01% per day for the first payment period, but the rest of the contract can still run at 1% per day, and the real APR remains very high.

Can I extend the loan?

Automatic extension is not provided in the legal disclosures. But the site does allow continued use through regular scheduled payments, and the schedule updates after payment.

Can I receive money on someone else’s card?

The public pages consistently say the card must be issued in the borrower’s own name, so third-party payout should be treated as outside the standard process.

Is SelfieCredit safe to use?

It is a real licensed lender with public legal documents and NBU-recognized status. But it is also a high-cost lender and had an NBU AML fine in 2025. Both facts matter.

14. Final conclusion

SelfieCredit UA is a real Ukrainian direct lender with a mature online flow, remote verification, SMS signing, card payout, mobile-app support, and several repayment channels. Operationally, it is more complete than a thin payday landing page and easier to use than an office-based lender.

Its main strengths are speed, fully remote onboarding, no lender commission, early repayment without extra charge, and a fairly broad repeat-loan ceiling of 50,000 UAH. Its main limitations are the extremely high real annual cost, the long contract structure with frequent interest-payment periods, the risk of losing discounted pricing after a missed payment, and the NBU compliance fine from 2025.

The blunt conclusion is this: SelfieCredit may suit a borrower who needs fast online money and can close the debt quickly or near the first discounted period. It is a poor fit for anyone looking for cheap borrowing, anyone likely to drift into repeated interest-only servicing, or anyone who mistakes a 0.01% first period for the real economics of the full contract.

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