Starfin.UA

Starfin is a Ukrainian online lending service operated by LLC “STAR FINANCE GROUP”. The public site presents it as a fully remote cash-loan provider that sends money to a bank card, works around the clock for applications, and usually makes decisions within minutes. The main landing page markets loans from 1,000 to 20,000 UAH, a 120-day term, a promotional rate from 0.01% on the first payment if a promo code is used, and a standard rate of 0.9% per day, while the detailed product disclosures also show a 10% issuance fee and a real annual percentage rate of 3369.39% for the published “Zirkovyi” product. The company is not a bank. It is a licensed Ukrainian non-bank financial company.

The first important point is structural. Starfin is not really a classic one-payday-until-salary product in the narrow sense. Its disclosed product has a fixed 120-day term, with interest paid every 15/20/25/30 days depending on the agreed schedule, while the principal is repaid at the end of the term and the issuance commission is paid in the first calculation period. That makes it closer to a short-term online installment-style microloan with a balloon repayment of principal than to a single-payment payday advance. The second important point is cost. The storefront language looks light because it highlights a promo rate, but the published contractual disclosures show a much more expensive product once standard pricing and fees are applied.

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Introduction

Starfin is designed for borrowers who need fast online access to small or mid-sized sums without visiting a branch. The service is built around speed, remote onboarding, bank-card disbursement, and simplified document flow. It may suit borrowers who need urgent short-term cash and already understand that convenience usually comes with a high total borrowing cost. Its strongest points are fast application flow, several repayment channels, an app, and clear public contact details. Its weak points are the high effective cost, the 10% issuance fee, the harsh late-payment logic, and the risk that the low advertised promo rate distracts from the real long-term cost of the deal.

What kind of organization is this

The operator behind Starfin is LLC “STAR FINANCE GROUP”. The National Bank of Ukraine lists it as a financial company with EDRPOU code 44022416. The NBU also records that the company entered the state register in August 2021 and received licenses at that time, while in July 2025 the NBU approved a narrowing of the license scope so that the company may provide the financial service of granting funds and banking metals on credit, with factoring removed from the scope. On the Starfin site, the company publishes its Kyiv address, hotline, mobile number, email, and the current license reference used in its disclosures.

This matters because it shows Starfin is acting as a direct lender, not as a broker or lead generator. The site does not read like a comparison marketplace. It collects applications under its own brand, publishes its own repayment details, and points borrowers to its own contractual disclosures and complaint channel. Operationally, it is an online-only lending service. The public site focuses on web and mobile processing, not branch issuance, and the Google Play listing confirms an official Starfin mobile app with 100k+ downloads.

How the service works

Starfin’s public materials show two disclosure tracks for the same general branded offer. The landing page markets a broad range of 1,000 to 20,000 UAH. But the detailed PDFs separate the offer into a microcredit disclosure and a consumer credit disclosure. In the microcredit document, the amount runs from 1,000 UAH up to one minimum wage set on the date of the contract, which in the published example reaches 8,647 UAH. In the consumer-credit document, the amount runs from 8,647.01 UAH to 20,000 UAH. Both documents show a 120-day fixed term, 0.9% daily interest, a 10% one-time issuance commission, non-cash disbursement, and 3369.39% real annual percentage rate.

That split is important for comparison. The marketing page gives a simple range. The contractual disclosures show that the legal treatment changes depending on the amount. In practical terms, a borrower should not assume that every amount from 1,000 to 20,000 UAH is governed by exactly the same disclosure form. The service appears to divide smaller and larger loans into different regulatory categories. That is normal in this segment, but it means the borrower should always read the exact disclosure tied to the specific amount and contract, not just the homepage banner.

How to get a loan

Step 1. Choose the amount and period

The official “How to get credit” page says the borrower first selects the needed amount and period. The homepage then moves the user into the application flow.

Step 2. Fill in the application

Starfin says the first loan requires a site application and a questionnaire. The public language emphasizes that there is no collateral, no guarantor, and no income certificate required. The documents highlighted for onboarding are a passport and tax ID number.

Step 3. Verify identity and card

The onboarding flow explicitly includes bank-card verification. The site also says that online оформлення requires BankID, a valid payment card issued in the client’s own name, and a mobile phone. The borrower page adds that the card should be from a Ukrainian bank and have at least 1 UAH on balance for verification.

Step 4. Wait for the decision

The site markets a quick decision. The homepage says “just 5 minutes and the money is on your bank card”, while other public wording says the decision comes in a few minutes and the funds can arrive in about 8 minutes through the app listing. That should be read as a typical-service promise, not a guarantee for every case. The same site also warns that approval depends on a creditworthiness check.

Step 5. Sign and receive the funds

Disbursement is cashless to the borrower’s bank card. Since the site requires a card in the client’s own name and a BankID-based or similar digital identification path, third-party card use should not be assumed to be acceptable.

Loan requirements and eligibility

The public requirements are narrower and more specific than the homepage slogans suggest. The detailed disclosures say the target borrower is a natural person who is a citizen of Ukraine, is at least 18 years old, has full legal capacity, has registered residence in Ukraine, has provided truthful personal and activity information, is not registered and not permanently residing in settlements on territory not controlled by Ukraine under current law, has a payment card in their own name issued by a Ukrainian bank, acts in their own interest, and has a valid identity document. The borrower page and app listing add passport, TIN, mobile phone, and bank card as the practical minimum package. The homepage says the age range is 18 to 70 years.

Official employment is not presented as mandatory. The website says there is no need for income certificates or guarantors, and the official app listing says stable income and work experience are not required. That does not mean Starfin ignores repayment ability. The site separately states that the lending decision depends on a creditworthiness check. So the practical reading is this: formal proof documents are minimized, but internal scoring still applies. Self-employed users may be able to apply, but approval remains discretionary.

Loan terms and conditions

The figures below are taken from Starfin’s homepage and the published “essential characteristics” PDFs for the “Zirkovyi” product.

Item

What Starfin publicly shows

Marketed loan range

1,000 to 20,000 UAH

Microcredit disclosure range

1,000 UAH to one minimum wage on contract date

Consumer-credit disclosure range

8,647.01 to 20,000 UAH

Term

120 calendar days, fixed

Standard interest rate

0.9% per day

Annual nominal equivalent shown

328.5% per year

Real APR in disclosures

3369.39% per year

Issuance fee

10% of the loan amount, one-time

Repayment structure

Interest every 15/20/25/30 days; principal at the end; commission in first period

Promo pricing

Up to 0.01% per day on the first payment with a promo code

Automatic extension

Not present in the disclosures

User-initiated prolongation

Possible on the site, subject to conditions

The key commercial detail is the 10% issuance fee. On a 1,000 UAH microcredit, the published commission example is 100 UAH. On an 8,647 UAH microcredit, it is 864.70 UAH. On a 20,000 UAH consumer credit, it is 2,000 UAH. The disclosures also publish approximate total credit cost examples. For the microcredit track, a 1,000 UAH loan has published total costs of 1,180 UAH and total amount payable of 2,180 UAH over the full disclosed term. For the consumer-credit track, a 20,000 UAH loan has published total costs of 23,600 UAH and total amount payable of 43,600 UAH. These are the numbers that should drive the borrower’s decision, not the promo slogan.

The promo offer also needs careful reading. Starfin says new clients may receive a discount that lowers pricing to 0.01% on the first payment if a promo code is applied. That is not the same as a universally free first loan, and it is not the same as 0.01% over the full term. The standard disclosed rate remains 0.9% per day unless the contract says otherwise.

Late payment, penalties, extension, and early repayment

⚠️ Starfin’s late-payment language is strict. The homepage and the product disclosures state that if the borrower misses a payment under the schedule, the company charges a penalty equal to 100% of the overdue amount from the next day after the due date, subject to the caps imposed by Ukrainian law. The same documents warn about negative credit-history reporting, the lender’s right in some cases to demand earlier repayment, and possible forced collection. The homepage also says the company may debit funds from the borrower’s bank account in accordance with current law.

At the same time, the materials distinguish between automatic and requested extension. The PDFs say there is no automatic continuation of the contract. The homepage says prolongation is possible if accrued interest is paid, and that an additional agreement is signed by both parties without worsening prior conditions for the consumer. That is better than silent rollover, but it still costs money. Extension should be treated as damage control, not as a cheap convenience feature.

Early repayment is mentioned positively in the official app listing, which says it reduces overpayment, and the disclosures confirm the statutory right to withdraw from the consumer-credit contract within 14 calendar days, subject to paying interest for the days the money was actually used. Still, the public site does not explain the operational early-repayment method in much detail, so a borrower should verify the exact mechanics in the contract or personal account before borrowing.

Supported payout methods: how users can receive the loan

Starfin publicly shows a very narrow payout structure. The loan is issued cashlessly to a payment card. The borrower must have a valid Ukrainian bank card in their own name, and the process includes card verification. The public materials do not advertise cash pickup, e-wallet disbursement, or transfer to a third party.

Payout method

Status

Bank card

Supported

Bank account in borrower’s own banking profile

Implied via BankID/card verification flow, but the site mainly describes card payout

Cash pickup

Not shown

E-wallet

Not shown

Mobile wallet

Not shown

Third-party card/account

Not shown; should not be assumed

Supported repayment methods: how to repay the loan

Starfin gives borrowers more repayment options than payout options. The official repayment page and homepage list: personal account, bank card payment, EasyPay, City24, monobank terminals, and bank transfer in a bank branch. For bank-branch repayment, the site gives full company requisites and tells the borrower to include full name, TIN, and loan number, while warning that bank transfers may take several working days to post. That timing matters. A borrower paying close to the due date should prefer the fastest posting channel rather than a slow branch transfer.

Repayment method

Supported

Practical note

Personal account

Yes

Direct website payment route

Bank card

Yes

Through the account/site flow

EasyPay website/terminals

Yes

Publicly listed

City24 website/terminals

Yes

Publicly listed

monobank terminals

Yes

Publicly listed

Bank transfer / bank branch

Yes

Requires company requisites + borrower identifiers; may take several working days

The repayment section is one of the stronger parts of the service. It is practical, not vague. That said, borrowers should still keep receipts or screenshots of payment confirmation, especially when paying through terminals or bank transfer. The site explicitly notes that payment posting through a bank can take time.

Advantages and disadvantages

Advantages

✅ Fast application flow. Starfin clearly prioritizes speed, with public claims of decisions in minutes and fast card disbursement.
✅ Fully remote process. No branch visit, no collateral, no guarantor, and no income-certificate requirement on the public path.
✅ Several repayment channels. Website, personal account, EasyPay, City24, monobank terminals, and bank transfer give borrowers real operational choice.
✅ Official app and public support channels. The service has an app, hotline, email, and published working hours.
✅ No automatic rollover in the published disclosures. That is better than silent extension by default.

Disadvantages

❌ Very expensive effective borrowing cost. The disclosed real APR is 3369.39%, and the published total repayment figures are heavy.
❌ 10% issuance commission. This materially increases the cost from day one.
❌ Promo language can distract from real pricing. “0.01%” applies to a limited promo situation on the first payment, not the full contract by default.
❌ Penalty language is harsh. The disclosed overdue penalty is severe, even though capped by law.
❌ Fixed 120-day structure is not ideal for everyone. Borrowers pay interest periodically but repay principal at the end, which can create a cash-flow trap if they plan poorly.

Who this service may suit

Starfin may suit a borrower who needs urgent online cash, has a clear repayment source, is comfortable with digital verification, and understands that the product is a high-cost convenience loan, not cheap household finance. It may also suit users who prefer card-based disbursement and want several repayment channels.

It is a weak fit for anyone who is already under financial stress, anyone who may miss scheduled interest payments, anyone who expects a low-cost installment loan, or anyone who sees the advertised 0.01% and assumes the whole product is cheap. The structure and penalty logic make that assumption dangerous.

Risks and important things to check before applying

⚠️ Check the exact disclosure form tied to your amount. Starfin’s marketing page and its detailed PDFs do not present the product in one flat, simple range. The legal disclosure changes once the amount crosses the threshold between microcredit and consumer credit.

⚠️ Check the real total cost, not the banner rate. The published examples show that a 10% fee plus daily interest produces a very expensive loan over 120 days.

⚠️ Check the repayment structure. This is not just “borrow and pay once.” Interest is due periodically, the commission is front-loaded, and the principal is due at the end. Missing one scheduled payment can trigger strong penalty consequences.

⚠️ Check payment posting times. A bank transfer may take several working days. If the due date is close, use a faster channel.

⚠️ Treat this loan as an emergency tool only. The public numbers do not support routine monthly use as a budgeting method.

Customer support and communication channels

Starfin publishes a main hotline 0 800 202 233, a mobile number +38 063 020 22 33, support email info@starfin.com.ua, and support hours Monday to Sunday, 9:00–21:00. The site says application access is available 24/7. It also offers a personal account, repayment page, app links, and a complaint option on the website.

FAQ

What is Starfin?

Starfin is an online Ukrainian loan service operated by LLC “STAR FINANCE GROUP,” a licensed non-bank financial company.

Is Starfin a direct lender or a broker?

It appears to be a direct lender. The service publishes its own company data, repayment requisites, disclosures, and support channels.

How fast can I get money?

The site says decisions come in minutes and funds may reach the card very quickly, often in around 5–8 minutes in its public claims. Approval is not guaranteed.

What documents do I need?

Passport, TIN, mobile phone, and a valid Ukrainian bank card in your own name are the core public requirements. BankID is also referenced for online onboarding.

Can I get a loan with bad credit?

The public pages do not promise guaranteed approval for bad-credit borrowers. Starfin says the decision depends on a creditworthiness check.

What payment systems are supported for receiving money?

Publicly, Starfin describes non-cash disbursement to a bank card. It does not advertise cash pickup or e-wallet payout.

How can I repay the loan?

Through the personal account, by bank card, via EasyPay, via City24, through monobank terminals, or by bank transfer in a bank branch.

What details do I need for bank-transfer repayment?

Starfin says to use the company’s full requisites and обязательно include your full name, TIN, and loan number so the payment can be identified.

Can I repay early?

The public app listing says early repayment reduces overpayment, but the website does not explain the process in detail. Check the contract and personal account before borrowing.

Can I extend the loan?

There is no automatic extension in the disclosures, but the site says prolongation is possible if accrued interest is paid and an additional agreement is signed.

Is the first loan really almost free?

Not by default across the whole contract. The public promo language says up to 0.01% applies on the first payment with a promo code. The standard disclosed rate remains 0.9% per day plus a 10% issuance fee unless the individual contract says otherwise.

What happens if I miss the due date?

The lender discloses a penalty equal to 100% of the overdue amount from the next day after the missed payment, subject to legal caps, and also warns about negative credit-history consequences and stronger collection measures.

Is Starfin safe to use?

It is a real licensed financial company with public contacts, NBU-linked disclosures, and official documents. That does not make the product cheap or low-risk. The operational legitimacy and the borrowing risk are separate questions.

Final conclusion

Starfin is a real Ukrainian online lender, not a fake storefront. It is fast, remote, easy to access, and operationally clearer than many thin lead-gen pages because it publishes company details, repayment routes, disclosures, and support contacts. On usability, it scores well. On price, it is a high-cost loan. The disclosed 0.9% daily rate, 10% issuance fee, 3369.39% real APR, and strict penalty wording make that clear.

For a borrower with a true short-term emergency, a verified Ukrainian bank card, and a clear repayment plan, Starfin may be workable. For anyone looking for cheap borrowing, routine budget support, or flexible low-risk credit, it is a poor fit. The correct way to read Starfin is simple: strong on convenience, weak on cost.

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