Treba UA

1. Introduction

Treba.Credit is a Ukrainian online loan service that operates under the legal company LLC “МАКС КРЕДИТ” / LLC “MAX CREDIT”, EDRPOU 42806643. It is a direct non-bank lender, not a bank, not a broker, and not a salary-advance app tied to an employer. The official site presents it as a fast online credit service that works around the clock, sends money to a bank card, and targets ordinary retail borrowers in Ukraine.

The first thing to understand is that Treba.Credit is not a one-line “borrow for 10 days and repay once” product. The public site frames the offer as a credit line, and both the current public product pages and the lender’s rules describe a structure where the borrower chooses a short initial period, but the legal product can continue under a broader contract and individual schedule. That makes it more complex than a classic one-payment payday loan.

The second thing to understand is that the marketing layer and the legal layer are not perfectly identical. The homepage currently markets online credit up to 20,000 UAH and a first-loan rate from 0.1% to 0.94% per day, while the publicly linked “essential characteristics” PDF still shows broader formal consumer-credit and microcredit disclosures under the legal operator. The safe rule is simple: the final passport of consumer credit shown before signing matters more than the banner.

Its main strengths are speed, fully online access, light documentation, and a practical repayment menu. Its main weak points are high cost outside the preferential period, visible product-layer inconsistency between pages and PDFs, and the usual risks of repeated rollovers or delayed repayment.

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2. What kind of organization is this

Treba.Credit is operated by LLC “MAX CREDIT”, a Ukrainian financial company. It is not a bank. It is a licensed non-bank financial institution / MFO-type lender that provides loans directly through its own website rather than acting as a lead broker. The current contact page names ТОВ “МАКС КРЕДИТ”, gives the address 86E Kazymyra Malevycha Street, Kyiv, 03150, and lists the main hotline and support email. The NBU registry export separately shows ТОВ “МАКС КРЕДИТ”, code 42806643, as a financial company as of 01.01.2026.

The service is aimed at retail borrowers in Ukraine who need quick access to relatively small consumer credit online. The public site says the product is for citizens of Ukraine aged 18 to 70, with minimal requirements and 24/7 access through the website.

Operationally, Treba.Credit is online-only in the reviewed current materials. I did not find a branch-cash issuance model on the official pages. The site consistently points borrowers to the online calculator, personal account, card verification, SMS signing, and online repayment.

Its market positioning is typical of a mainstream Ukrainian MFO: fast, accessible, less document-heavy than a bank, and more flexible with non-standard borrower profiles. The site actively markets speed, simplicity, high approval rates, and the ability to serve people with weak credit history or unstable formal employment. That positioning is common in the sector and should be read as a commercial claim, not as proof that the product is cheap.

A useful regulatory note: in March 2025, the NBU announced that at the company’s own request it approved a change in the scope of the license for ТОВ “МАКС КРЕДИТ”, removing factoring and leaving lending activity in place. That does not indicate a problem by itself, but it confirms that the company is under active NBU supervision and operates as a real regulated lender.

3. How the service works

Treba.Credit’s public site currently presents the product as a credit line with online disbursement to a bank card. The homepage and “how to get” page focus on a short initial borrowing choice, where the borrower selects the amount and term in the calculator, and the current marketing page says the maximum amount is 20,000 UAH.

The legal and disclosure layer is more nuanced. The homepage’s “Financial services” block explicitly labels the product as a credit line and links separate disclosures for microcredit and consumer credit. The formal disclosure PDF says individual conditions depend on the lender’s creditworthiness assessment and are shown in the passport of consumer credit before contract conclusion. That means Treba.Credit is not just advertising one rigid tariff. It is using a credit-line model where exact terms depend on the user profile and selected product type.

Application review is fast. The company says the service provides money in 5–15 minutes, and the FAQ-style pages repeatedly describe automated or near-automated review. Repeat borrowing is even faster because the borrower can reuse the personal account and previously verified card.

The process is fully online. The current rules say the borrower receives the passport of consumer credit in the personal account, reviews the proposed terms, then signs using an electronic signature with a one-time identifier, after which the lender generates the credit agreement in electronic form. That is a standard Ukrainian MFO e-contract flow.

4. How to get a loan

Registration

The first step is to choose the amount and term in the online calculator and press the application button. The current “How to get a loan online” page says the borrower starts by selecting the amount and period and notes that the maximum amount shown on that page is 20,000 UAH.

Filling in the application

For a first loan, the borrower must fill in the full questionnaire in the personal account. For repeat borrowing, the site says the borrower usually just logs in, chooses the amount and term, and submits the request, after which the system makes the decision automatically.

Identity verification

Treba.Credit uses card verification and, in some cases, additional identity checks. The site explains that the borrower verifies the bank card in the account, and the rules say that before signing, the borrower receives the passport of consumer credit and then confirms acceptance with the one-time code. The broader public pages also emphasize that card and borrower data go through security verification.

Income or employment confirmation

The service does not require an income certificate on the public flow. The site openly markets loans “without income statements” and says formal employment status does not matter. At the same time, the lender still evaluates creditworthiness and uses bureau data and other lawful sources, according to the rules. So documentary friction is low, but underwriting still exists.

Choosing the amount and term

The public calculator lets the borrower choose the amount and term. The marketing layer shows a maximum amount of 20,000 UAH, but the final individual offer depends on the credit assessment.

Signing the agreement

The rules describe a clear e-sign flow. The borrower first receives the passport of consumer credit in the account, reviews it, then signs using the one-time code. After that, the lender forms the electronic credit agreement and provides it in the account.

Receiving the funds

The service then sends the money to the verified bank card. The site describes this as a fast online process, often completed within minutes after approval and signing.

How long does it take?

Treba.Credit says the whole process usually takes 5–15 minutes. Repeat borrowing is faster because much of the initial profile setup is already done.

Is approval automatic or manual?

Mostly automatic. The site says repeat-loan decisions are made automatically, and the marketing pages emphasize automatic processing and a high approval rate. There is still a real underwriting step behind the scenes, so it is not unconditional.

Can bad-credit borrowers apply?

Yes, they may apply. Treba.Credit openly says online MFOs are more flexible than banks and that even borrowers with negative credit history can often hope for approval. That is a market-positioning claim, not a guarantee, but it does show the target audience clearly.

5. Loan requirements and eligibility

The current official site gives a clear minimum borrower profile. Treba.Credit says the customer must be a citizen of Ukraine, aged 18 to 70, with identity documents registered in Ukraine, internet access, and a valid bank card. The card must be active, issued in the borrower’s name, and have a positive balance sufficient for temporary verification blocking.

The basic document set is light: passport or ID-equivalent data, tax-related identity data, and a personal bank card. The public pages do not show a requirement for employer certificates, collateral, guarantors, or salary slips.

The service is open to self-employed and non-standard borrowers. The homepage says the product is available to officially employed users, unemployed people, students, homemakers, informal entrepreneurs, freelancers, pensioners, and people on maternity leave. That does not mean everyone is approved, but it clearly shows the lender is not built around formal payroll-only clients.

6. Loan terms and conditions

This is the section where Treba.Credit needs the most caution, because the site’s public layers do not all present the product in the same way.

The current marketing pages show:

• maximum loan amount on the application page: 20,000 UAH

• first-loan rate: from 0.1% to 0.94% per day

• a grace / promotional period up to 30 days on a separate promo page.

The formal public disclosure layer shows separate documents for microcredit and consumer credit, both under the legal operator MAX CREDIT, and says individual conditions depend on the lender’s assessment. The visible PDF I reviewed is the consumer-credit disclosure, which explicitly states that individual pricing depends on the assessment and that the borrower must rely on the passport of consumer credit shown before signing.

The most reliable summary of the current public product structure is:

Area

Publicly visible current position

Product type

Credit line

Marketed maximum amount

Up to 20,000 UAH

First-loan rate

From 0.1% to 0.94% per day

Grace-period framing

Up to 30 days on promo materials

Formal disclosures

Separate microcredit and consumer-credit PDFs

Pricing certainty

Final terms depend on credit assessment and are shown in the passport before signing

That means Treba.Credit is not publishing one simple fixed APR table on the consumer-facing pages I reviewed. The product is a credit-line offer with individual conditions. A borrower should therefore treat the website as a general guide and the passport of consumer credit as the real commercial document.

Penalties for late payment

The reviewed public pages do not surface one clean current penalty formula in the same straightforward way as some competitors. The rules show that the final contract contains the payment schedule and the interest/payment conditions, and the lender’s public pages push borrowers toward prolongation when repayment is difficult. That means the exact overdue formula must be checked in the contract shown before signing. I am not going to invent a number here without a current product-specific source.

Extension / rollover options

Treba.Credit clearly markets prolongation as an available option. The “without income statements” page says customers can use additional services from the loyalty program, including prolongation, and that the company is prepared to meet borrowers halfway when repayment problems arise. That suggests prolongation is a real operating feature, not just theoretical wording.

Early repayment

The “About” page says early repayment is possible and that the borrower pays the principal and interest only for the actual number of days the money was used. That is a positive and practical feature.

Hidden fees or service charges

I did not find a current public page in the reviewed materials that clearly discloses a separate commission-heavy structure the way some competitors do. At the same time, because the visible consumer-facing pages do not publish one clean, current APR-and-fee table for every possible contract, borrowers should still assume the pre-contract passport may contain details not visible in a general promo block.

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

Treba.Credit is primarily a bank-card lender. The official pages say the borrower must have a valid card issued in their own name, and the card must be verified before funds are sent. The site also says cards from different Ukrainian banks are supported.

Receiving method

Status

Bank card

Supported

Bank account via linked card account

Supported in practice

IBAN / separate local transfer

Not clearly marketed as a standard retail option

E-wallets

Not shown

Mobile wallets

Not shown

Cash pickup

Not shown

The name-matching rule is clear. The site says the card must be issued in the borrower’s name, and repeat borrowing can use a previously verified card from the account. That strongly implies third-party cards are not a normal allowed payout option.

8. Supported repayment methods: how to repay the loan

Treba.Credit’s repayment page is practical and gives more clarity than its pricing pages. The service supports:

• repayment in the personal account

• repayment through self-service terminals

• repayment through an online service

• repayment through any bank branch using company details.

The repayment table looks like this:

Repayment method

Supported

Practical note

Personal account on website

Yes

Main method; shows actual current debt

Self-service terminals

Yes

PrivatBank, EasyPay, City24

Online repayment service

Yes

Instant posting, no registration

Bank branch / cashier

Yes

Use company requisites

The personal account is positioned as the main repayment route because it shows the actual outstanding balance and lets the borrower repay early for the exact actual days of use. The online-service payment page is described as instant and without commission, and it requires either the tax ID or contract number.

For terminal payments, the site gives clear practical instructions: search for “Треба.кредит”, enter the contract number or tax ID, and make the payment. For bank-transfer repayment, the company publishes the details openly: LLC “MAX CREDIT,” EDRPOU 42806643, IBAN UA443052990000026500046700522, PrivatBank, MFO 305299.

The site does not publish one universal posting time for bank transfers, but because external payment routes are not always instant, receipts should be kept until the payment is reflected. The lender itself provides the exact identifiers needed to avoid matching problems, which is a good operational sign.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast online application flow

Public pricing is not surfaced in one clean table

Fully online process

High cost outside the preferential period

Light documentation

Product structure is more complex than the homepage suggests

Personal account, terminals, online service, and bank repayment available

Exact penalty formula is not clearly surfaced on current consumer pages

Early repayment available

Marketing layer and disclosure layer are not perfectly aligned

Works 24/7 for customers

Reliance on final passport of consumer credit is unavoidable

Treba.Credit is operationally competent. The main borrower risk is not access or speed. It is misreading the marketing layer and assuming it tells the whole cost story.

10. Who this service may suit

Treba.Credit may suit borrowers who need urgent online money until payday, want a simple website-based process, have a Ukrainian bank card, and can repay on schedule. It may also suit users with limited formal credit access, non-standard work situations, or past credit problems who are unlikely to get a bank loan quickly.

It is a weak fit for anyone looking for low-cost long-term credit, anyone likely to miss payment dates, or anyone who wants complete tariff transparency from one public page without checking the final contract documents. It is also a weak fit for borrowers who assume “from 0.1%” means the whole product is cheap.

11. Risks and important things to check before applying

The biggest risk is the real total cost. Treba.Credit’s visible public pages show promotional first-period pricing, but the same site also says the widget reflects only the grace-period conditions and that full general conditions are elsewhere. That is exactly the sort of setup where borrowers underestimate the real long-term cost.

The second risk is contract variability. The formal PDF says individual terms depend on the lender’s credit assessment and are shown before signing in the passport of consumer credit. That means two borrowers may not receive identical offers even when the homepage looks the same.

The third risk is repayment discipline. The service does offer prolongation and several repayment methods, but none of that makes the product suitable for chronic cash-flow problems. It is still best treated as short-term emergency borrowing, not household-budget support.

12. Customer support and communication channels

Treba.Credit’s current contact page publishes a fairly strong support layer:

• hotline: 0 (800) 310-422

• extra phones: 096 432-42-23, 073 432-42-23, 066 432-42-23

• accessibility phone: (093) 552 84 38

• email: info@treba.credit

• support hours: Mon–Sun, 09:00–21:00

• website contact form and complaint categories on the contact page.

That is better than many thin loan sites, especially because the service clearly separates callback, collector complaints, operator complaints, and fraud reports in the contact form.

13. FAQ

What is Treba.Credit?

Treba.Credit is a Ukrainian online lending service operated by LLC “MAX CREDIT”, a licensed financial company.

Is it a direct lender or a broker?

It is a direct lender. The site and the legal disclosure identify ТОВ “МАКС КРЕДИТ” as the creditor itself.

How fast can I get money?

The service says the process usually takes 5–15 minutes, with automated decisions and quick card transfer after signing.

What documents do I need?

At minimum: identity documents, tax-related personal data, a mobile phone, and a personal bank card.

Can I get a loan with bad credit?

Yes, you may apply. The service says MFOs are more flexible than banks and that borrowers with poor credit history may still get money, though approval is not guaranteed.

How much can I borrow?

The current “How to get” page shows a maximum of 20,000 UAH in the calculator, but the exact offer depends on the lender’s assessment and the product shown in your account.

How can I receive the money?

Primarily by transfer to your verified bank card.

How can I repay the loan?

In the personal account, through terminals, through the online repayment service, or at any bank branch using the published requisites.

What payment details do I need?

For terminal and online-service payments, you need the contract number or tax ID. For bank repayment, the site publishes MAX CREDIT’s full bank details.

Can I repay early?

Yes. The site says you can repay early and pay only for the days you actually used the funds.

What happens if I miss the due date?

The reviewed current public pages do not show one simple penalty formula, so you should check the contract. The site instead pushes borrowers toward prolongation and warns that the full conditions are set in the agreement.

Can I extend the loan?

Yes, prolongation is presented as an available option and part of the loyalty/service model, but the exact conditions should be checked in the personal account and contract.

Is the first loan interest-free?

No. The site markets first-loan rates from 0.1% to 0.94% per day, not a universal 0% loan, and the grace-period widget does not describe every possible cost layer of the full contract.

Can I receive money on someone else’s card?

The public site says the card must be issued in the borrower’s name and verified, so third-party card payout should not be assumed.

How do I contact support?

Use 0 (800) 310-422, info@treba.credit, or the contact form on the site.

Is this service safe to use?

It is a real regulated lender. That does not mean it is cheap or risk-free. The main safety issue is affordability and careful reading of the contract.

14. Final conclusion

Treba.Credit is a real Ukrainian online lender with a fast digital process, broad support hours, and practical repayment options. Operationally, it is easier and faster than a bank and more flexible with non-standard borrowers.

Its main limitation is transparency on the public tariff layer. The service clearly has a real legal and product structure, but the homepage, promo pages, and formal disclosure pages do not reduce to one clean fixed pricing table. Treba.Credit may suit a borrower with a genuine short-term need who is willing to read the passport of consumer credit carefully before signing. It is a poor fit for recurring budget shortages, loose repayment discipline, or anyone who wants the entire real cost to be obvious from one promo banner.

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