ShvidkoGroshi UA

Introduction

ShvidkoGroshi is one of the older and more visible consumer-lending brands in Ukraine. The brand is operated by LLC “Spozhyvchyi Tsentr” and works as a direct non-bank lender, not as a broker or marketplace. The main practical difference from many online-only MFOs is that ShvidkoGroshi works in two formats: it issues credit online to a bank card and also offers cash disbursement in physical branches.

That matters because ShvidkoGroshi is not built around one single retail product. Its public disclosure page lists several products and several pricing tracks at once: “Hroshi do zarplaty” (money to payday), “Hroshi v rozstrochku” (installment money), standard versions, promotional versions, and products with different daily rates such as 1%, 0.85%, and 0.5% per day. The company itself warns users to compare the exact product selected rather than mixing conditions from different programs.

For a borrower, the strongest points are accessibility, branch support, multiple repayment channels, and relatively broad product coverage from small short-term amounts to larger installment-style borrowing. The weak points are equally clear: some products carry very high real APRs, fees may apply in addition to interest, and overdue consequences depend on the contract and can become expensive fast.

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What kind of organization is this

The company behind ShvidkoGroshi is ТОВ “СПОЖИВЧИЙ ЦЕНТР” / LLC “Spozhyvchyi Tsentr”, EDRPOU 37356833. On the official company page, it identifies itself as a specialized financial company and states that it provides the financial service of granting funds on loan, including on the terms of financial credit. The company page also publishes its registration certificate IK No. 78 and says its license originally came from the former Ukrainian regulator and was reissued by the National Bank of Ukraine on March 7, 2024.

The same official page lists the main company details as 01032, Kyiv, 133-A Saksahanskoho Street, with phone (044) 498 10 20 and email info@sgroshi.com. The NBU’s public ownership page separately identifies ТОВ “СПОЖИВЧИЙ ЦЕНТР” as a financial company, which confirms the non-bank lender status.

From a market-position perspective, ShvidkoGroshi sits between a classic storefront payday lender and a pure mobile-credit fintech. It still uses physical branches, but it also supports online application, personal-account management, and a mobile app in both App Store and Google Play. The company’s product pages explicitly present both card disbursement and cash-in-branch borrowing as active options.

A balanced review also needs one cautionary note. In June 2023, the National Bank of Ukraine publicly announced a written warning and fine against ТОВ “СПОЖИВЧИЙ ЦЕНТР” after an inspection found violations, including consumer-protection and ethical-conduct issues. At the same time, the NBU’s 2026 list of significant financial companies includes ТОВ “СПОЖИВЧИЙ ЦЕНТР”. Those two facts can both be true at once: it is a large, real lender, but that does not make it a low-risk or problem-free one.

How the service works

ShvidkoGroshi does not publish one flat universal offer. Its own disclosure page lists at least these active product families:

• Microcredit “Hroshi do zarplaty”

• Consumer credit “Hroshi do zarplaty”

• Consumer credit “Hroshi v rozstrochku” at 1% per day

• Consumer credit “Hroshi v rozstrochku” at 0.85% per day

• Consumer credit “Hroshi v rozstrochku” at 0.5% per day

• Promotional and campaign-based versions of “Hroshi do zarplaty,” including 0.01% variants.

That already tells you the company serves more than one borrower type. The “money to payday” products cover smaller amounts and shorter overall terms. The installment products cover larger sums and longer schedules. On the current January 2026 summary page for fast credit, the company describes the overall retail range as 500–50,000 UAH, with terms 63–217 days, daily rate bands of 0.5%–1%, and possible commissions such as 5% or 7%, depending on the product. The same page says the maximum real APR can reach 11,016.79% annually.

The company’s disclosure page gets more specific. It states that:

• Microcredit “Hroshi do zarplaty” runs from 500 to 8,647 UAH, with term 154–217 days, and maximum real APR 6,415%.

• Consumer credit “Hroshi do zarplaty” runs from 8,648 to 30,000 UAH, with term 168–217 days, and maximum real APR 4,949%.

The installment family is broader. The company’s January 2026 fast-credit page says “Hroshi v rozstrochku” runs from 3,000 to 50,000 UAH over 98–213 days, with variants priced at 1%, 0.85%, or 0.5% per day. One official FAQ example for the 1% per day version shows a 3,000 UAH loan for 98 days with a 20% issuance fee, producing 2,120.51 UAH in interest plus a 600 UAH fee, for total repayment of 5,720.51 UAH. That example is extremely useful because it shows the real shape of cost: this is not just “1% per day,” but sometimes “1% per day plus an issuance commission.”

For timing, the company says online decisions take around 9 minutes on the fast-credit page, while in-branch decisions usually take 10–15 minutes after filling out the application. That is reasonably fast, but still depends on verification and individual review.

How to get a loan

Registration and application

Online, the borrower starts on the site or in the app, chooses a product, amount, and term, then fills out the application. The company’s pages describe the online flow as requiring only basic identity data and a borrower-owned bank card if the funds are to be transferred to a card. The company also says applications can be filed 24/7.

In a branch, the process is more traditional. The official cash-credit page says the borrower should find a branch, bring documents, fill out the application in about 5–10 minutes, wait for the decision, sign the contract, and receive cash in the branch if approved.

Identity verification

For online borrowing, the company says BankID NBU may be used, and other public help pages say photo-ID or document-photo checks can also be applied depending on the scenario. That means the process is digital, but not frictionless in every case. Some borrowers may go through deeper verification than others.

Income or employment confirmation

Public pages send a mixed signal here, and that is important to say honestly. The FAQ says official employment confirmation is not required, and work experience is not important. But another company page listing the requirements says the borrower should have permanent labor income. The safest interpretation is that ShvidkoGroshi does not require a formal employer certificate, but it still expects a stable repayment source and scores applications accordingly.

Choosing amount and term

The amount and term depend strongly on the product. The summary page lists the overall retail range as 500–50,000 UAH and 63–217 days, but the actual contract range varies by product type. Smaller “to payday” loans and larger installment loans sit on different disclosure tracks and should not be treated as one single offer.

Signing and disbursement

After approval, online borrowers receive money to their bank card. Branch borrowers receive money in cash after signing the contract, and the branch page says card payout may also be available by customer choice in some branch cases.

Can bad-credit borrowers apply?

Yes, they can apply, but approval is not automatic. A help page says that overdue debt elsewhere lowers the probability of approval, yet each case is considered individually. Another public page says ShvidkoGroshi reviews different credit histories and works with borrowers who were refused by banks. That makes the service more accessible than a traditional bank, but not unconditional.

Loan requirements and eligibility

The official FAQ says the borrower must be 18 to 70 years old and provide an original passport or ID card plus a tax identification code. Another official requirements page adds Ukrainian citizenship and says the borrower should have permanent labor income.

For online borrowing to card, the January 2026 fast-credit page adds a few more practical conditions: a phone number, and a bank card in the borrower’s own name if online card disbursement is chosen.

These requirements can be summarized as follows:

Requirement

Publicly indicated by ShvidkoGroshi

Age

18–70

Citizenship

Ukraine

Identity documents

Passport/ID + tax ID

Employment proof

No formal proof required in FAQ, but stable income is expected

Bank card

Needed for online disbursement; should be in borrower’s name

Phone number

Required for contact and online flow

Guarantor/collateral

Not required

ShvidkoGroshi explicitly says it issues credit without collateral and guarantors. The FAQ also says it does not require confirmation of official employment, which suggests that self-employed borrowers and informally employed borrowers may still apply, though approval remains risk-based.

Loan terms and conditions

Because ShvidkoGroshi operates multiple products, the best way to understand it is by separating the public product families.

1. “Hroshi do zarplaty” — microcredit

Item

Publicly disclosed range

Amount

500–8,647 UAH

Term

154–217 days

Max real APR

6,415%

2. “Hroshi do zarplaty” — consumer credit

Item

Publicly disclosed range

Amount

8,648–30,000 UAH

Term

168–217 days

Max real APR

4,949%

3. “Hroshi v rozstrochku” — installment lending

Item

Publicly disclosed/current summary

Amount

3,000–50,000 UAH

Term

98–213 days

Daily rate variants

1%, 0.85%, or 0.5% per day

Possible commission examples

5%, 7%, 9%, 15%, or 20%, depending on amount/product

Max real APR

up to 11,016.79%

These ranges come from a combination of the official disclosure page and current January–February 2026 product-summary pages. The company itself says conditions depend on the product chosen and that exact figures for total cost are fixed in the consumer-credit passport and the contract.

First-loan and promo conditions

ShvidkoGroshi actively markets promotional versions of “Hroshi do zarplaty,” including 0.01% products. Its disclosure page lists promotional microcredit and consumer-credit versions by name. That does not mean every new borrower automatically gets a universal interest-free or nearly free loan. The company says campaign terms, target groups, and validity periods are published separately. Borrowers should therefore treat 0.01% as a campaign condition, not as the default cost of every first loan.

Fees and hidden charges

A useful point in ShvidkoGroshi’s favor is that it markets transparency and says there are no hidden commissions or unclear interest tricks. At the same time, its public product pages openly admit that commissions can apply and can differ by product and amount. So the fair conclusion is not “no fees,” but rather “fees are published, not hidden.” The problem is that they can still be substantial.

Late payment, extension, and early repayment

This is the messiest part of the public disclosure, and it should be treated carefully.

The company’s current public pages do not show one universal late-fee formula for all active products. The official company page says default consequences can include additional annual-interest-type charges and other payments under the contract, but total charges for breach cannot exceed statutory caps. It also warns that non-performance can hurt credit history.

Older help material about microcredits says penalties begin as soon as the due date passes and describes a formula where the first overdue day costs 2% of the loan amount and the penalty increases by 2 percentage points per day. Because this wording comes from older help content rather than the main 2026 disclosure grid, it should be treated as a product-specific or legacy explanation, not as a universal current rule for every ShvidkoGroshi contract. Borrowers should verify the exact late-charge formula in the credit passport and contract for the selected product.

On extension, newer official explanatory pages say the possibility and conditions of prolongation depend on the specific product and contract, and that automatic extension is not provided. That is the safest current reading. Some older pages say the number of extensions can be unlimited for products where prolongation exists, but those are not enough to claim that every current product offers it.

Early repayment is much clearer. Official explanatory pages say early repayment is possible and that, as a general rule, the borrower pays interest only for the actual period of use. That is normal and favorable compared with products that penalize early closure.

Supported payout methods: how users can receive the loan

ShvidkoGroshi supports two main receiving formats:

Payout method

Public status

Bank card

Supported for online borrowing

Cash in branch

Supported

Separate IBAN transfer

Not marketed as a separate retail channel

E-wallet

Not shown as standard

Mobile wallet

Not shown as standard

The January 2026 online-credit page says money can be received to card or in branch, while the branch page says branch customers receive money in cash after signing and may in some cases choose card payout.

For online disbursement, the card should belong to the borrower. The company’s online-credit page says a bank card in the client’s name is usually required when online payout is chosen. By contrast, cash disbursement in a branch avoids the card requirement for receipt itself.

Supported repayment methods: how to repay the loan

Repayment is one of ShvidkoGroshi’s strongest operational areas. The company’s January–February 2026 pages list these channels:

Repayment method

Public status

Personal account / cabinet

Supported

Mobile app

Supported

Branch cash payment

Supported

PrivatBank

Supported

EasyPay

Supported

Self-service terminals

Supported

Bank transfer

Supported

iPay.ua

Supported for online repayment

The January 2026 online-credit page says repayment can be made through the cabinet/app, branch, PrivatBank, EasyPay, terminals, and bank transfer. The branch page adds personal account, online services, terminals, bank transfer, and mobile app. The repayment page itself says borrowers can pay in branches or in the personal account. A 2025 official article also explains the iPay.ua flow, where the borrower enters the contract number or registered phone number and pays with a Ukrainian bank card, with immediate posting and an automatic receipt.

Practical details matter here. The repayment page asks for the borrower’s phone number and tax ID, which indicates those are key identifiers in the online flow. The iPay article says payment can be located by contract number or phone number. That means borrowers should keep those details consistent and use the same registered contact data whenever possible.

There is also a timing issue. Help material says terminal and bank-style payments can take several days in some cases, while online cabinet or iPay payments are described as instant. A borrower paying near the due date should prefer the fastest posting channel and keep the receipt or screenshot.

One unusual operational detail is that repayment does not always have to come from the borrower personally. A company article says friends or relatives can repay the loan on the borrower’s behalf in a branch, bank, or terminal. That can be useful in emergencies, but the borrower should still make sure the payment is matched correctly to the right contract.

Advantages and disadvantages

Advantages

Disadvantages

Works both online and through branches

Product line is complex and easy to misread

Supports card payout and cash disbursement

Very high real APRs on some products

Fast decision times

Fees may apply in addition to daily interest

Multiple repayment channels

Overdue formula depends on product and can be expensive

Does not require collateral or guarantor

Public pages on employment/income expectations are not perfectly consistent

Has mobile app and personal account

NBU issued a warning and fine in 2023

This mix is typical of a mature Ukrainian MFI: strong on access and operational convenience, weak on total cost once the debt is carried for longer.

Who this service may suit

ShvidkoGroshi may suit:

• borrowers who need urgent small or mid-sized credit

• people who want a choice between online payout and cash in branch

• users who value many repayment options

• borrowers who do not have official employment paperwork but do have a real repayment source

• people who need a lender more flexible than a bank on credit-history issues.

It is a weak fit for:

• borrowers seeking cheap credit

• people likely to keep the loan open for a long period without a clear exit plan

• anyone who assumes a promo rate like 0.01% represents the whole product

• anyone who is already under serious payment stress and may miss dates.

Risks and important things to check before applying

The first risk is product confusion. ShvidkoGroshi publishes several products side by side, with different amounts, terms, rates, and fee structures. A borrower who mixes a promo payday offer with an installment product will misunderstand the cost.

The second risk is underestimating real total cost. On some installment products, fees and interest together can make repayment far more expensive than the headline daily rate suggests. The FAQ example of 3,000 UAH becoming 5,720.51 UAH on a 98-day installment product illustrates that clearly.

The third risk is overdue handling. ShvidkoGroshi’s official pages warn that default harms credit history, and older help material describes quickly escalating late charges on microcredit. Even if the exact formula varies by product, the general message is consistent: late repayment is expensive and should not be treated casually.

The fourth risk is relying on extension without checking the contract. Newer official materials say prolongation depends on the product and the agreement, and there is no automatic extension. Borrowers should verify this point before they sign, not after they miss a payment.

Customer support and communication channels

ShvidkoGroshi publishes several support channels. The main company page lists (044) 498 10 20 and info@sgroshi.com. The protected-category contact on the same page lists 0800 504420 and virymovzsu@sgroshi.com. The company also publishes branches via the Contacts section, a personal account, a mobile app, and complaint/feedback routes on the site.

Operationally, the brand supports:

• website and personal account

• mobile app on App Store and Google Play

• branch servicing

• phone and email support

• online repayment tools and iPay

• complaint and feedback channels on the website.

FAQ

What is ShvidkoGroshi?

ShvidkoGroshi is a Ukrainian consumer-lending brand operated by LLC “Spozhyvchyi Tsentr”, a licensed financial company.

Is it a direct lender or a broker?

It is a direct lender, not a broker. The company states it provides loans itself, including financial-credit products.

Does ShvidkoGroshi work only online?

No. It works online and through physical branches. The company offers both card-based online credit and cash borrowing in branches.

How fast can I get money?

For online products, the company says the decision is typically about 9 minutes. In a branch, it says around 10–15 minutes after the application is completed.

What documents do I need?

At minimum, the official FAQ says passport or ID card and tax ID. Other official requirement pages also mention Ukrainian citizenship, age 18–70, and, for online payout, a borrower-owned bank card.

Do I need official employment?

The FAQ says official employment confirmation is not required, but another requirements page says the borrower should have permanent labor income. In practice, stable income matters more than formal employer paperwork.

Can I get a loan with bad credit?

Possibly. ShvidkoGroshi says each case is reviewed individually, though existing overdue debt lowers the chances.

What products does ShvidkoGroshi offer?

Publicly, it offers at least “Hroshi do zarplaty” and “Hroshi v rozstrochku”, including standard and promotional variants.

What amounts are available?

The broad current retail range shown on the company’s January–February 2026 pages is 500–50,000 UAH, depending on product.

How can I receive the money?

Either to your bank card or in cash at a branch, depending on the product and channel chosen.

How can I repay the loan?

Through the personal account, mobile app, branches, PrivatBank, EasyPay, terminals, bank transfer, and iPay.ua.

Can I repay early?

Yes. The company’s explanatory materials say early repayment is possible and interest is generally charged for the actual use period.

Can I extend the loan?

Sometimes, but not always. Newer official materials say prolongation depends on the specific product and contract, and automatic prolongation is not provided.

What happens if I miss the due date?

Default can damage your credit history, and older product help materials describe immediate and increasing late charges on some microcredit products. The exact formula should be checked in your contract and credit passport.

Can I receive money on someone else’s card?

For online card payout, the company’s current online-credit page says the card should be in the client’s name. Cash in branch is the alternative if card payout is not used.

Is ShvidkoGroshi safe to use?

It is a real licensed financial company with public corporate details and a visible product-disclosure section. That does not mean every product is cheap or low-risk.

Final conclusion

ShvidkoGroshi is a real, established Ukrainian lender with a broader operating model than many online-only MFOs. It offers both online card lending and cash-in-branch lending, publishes corporate details and product disclosures, and gives borrowers many ways to repay. Operationally, it is accessible and practical.

The main limitation is cost. Some products carry very high real APRs, commissions may apply, and overdue handling can become expensive. The service may suit a borrower who needs urgent access to cash, understands which exact product they are taking, and has a clear repayment plan. It is a poor fit for someone seeking cheap long-term credit or someone likely to slide into repeated extensions and overdue debt.

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