CreditKasa
CreditKasa is a Ukrainian online microfinance company providing fully digital short-term revolving consumer credit lines to individuals aged 18-75. Operating under NBU supervision, it offers two products, MiniKasa and MaxiKasa, with 24/7 automated decisioning via web and mobile apps.
- Company typePrivate
- Founded2017
- HeadquartersKyiv, Ukraine
- Headcount251–500
- GTM typeB2C
- OfferingServices
What CreditKasa does
CreditKasa (legal entity: TOV "UKR KREDIT FINANS", EDRPOU 38548598) is a Ukrainian online microfinance company founded in 2017 and headquartered in Kyiv, operating under a National Bank of Ukraine financial institution license re-registered on 08.03.2024. The company provides fully digital short-term consumer credit to Ukrainian residents aged 18-75, targeting underbanked segments such as informally employed workers, pensioners, students, and military personnel who lack access to traditional bank credit due to documentation or income verification constraints. Distribution is exclusively online through the creditkasa.com.ua website and native iOS/Android applications, with 24/7 automated processing and BankID NBU and PrivatBank identity verification eliminating the need for physical documentation.
The platform's core technology stack comprises a web application plus native mobile apps, an automated credit decisioning engine that delivers decisions within 3-8 minutes for new customers and under 3 minutes for repeat borrowers, electronic contract signing via SMS or Viber one-time codes, and risk assessment that integrates Ukrainian Bureau of Credit Histories (UBKI) data and mobile operator signals. Two core products operate as revolving credit lines: MiniKasa (UAH 1,000-55,000, 365-day term, 2-30 day payment periodicity) and MaxiKasa (UAH 7,000-100,000, 300-day term, bi-weekly or monthly payments), with both supporting top-up draws within the existing limit without re-application.
Revenue is generated primarily through usage-based interest on microloans (daily rates from a preferential 0.01%/day for new customers up to 1%/day standard, translating to effective APRs of approximately 1,090% to 6,721%), supplemented by origination commissions of 5-20% depending on product and tenure, and statutory penalty interest of up to 2%/day on arrears. The go-to-market motion is product-led growth via a self-service application flow, with no physical branches; repayment is enabled through PrivatBank terminals, EasyPay, City24, and any Ukrainian bank branch. In June 2026, CreditKasa debuted on the capital market with a UAH 100 million corporate bond issuance fully subscribed within 6 business days, and subsequently obtained a uaAA long-term credit rating from the National Rating Agency 'Ruryk' in July 2026.
CreditKasa firmographics
Firmographics- Name
- CreditKasa
- Legal name
- ТОВ «УКР КРЕДИТ ФІНАНС»
- Website
- https://creditkasa.com.ua
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- CreditKasa is a Ukrainian online microfinance company providing fully digital short-term revolving consumer credit lines to individuals aged 18-75. Operating under NBU supervision, it offers two products, MiniKasa and MaxiKasa, with 24/7 automated decisioning via web and mobile apps.
- Ownership category
- akta.pro rank
CreditKasa industry classification
Industry- Product category
- Consumer Microfinance
- NAICS
- Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industry
- Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)
Keywords
Where CreditKasa is headquartered
LocationHeadquarters
- HQ city
- Kyiv
- HQ country
- Ukraine
- HQ region
- Europe
Offices1 record
Markets served
CreditKasa business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Marketing or Sales, Personnel, Infrastructure
Revenue model
- Interest income on microloans: CreditKasa earns interest on outstanding loan balances. Interest rates vary by product and tier: Standard rate of 1%/day (first 180 days) and 0.74%/day (days 181-365) for MiniKasa; Reduced rate of 0.9%/day for MaxiKasa; and preferential rate of 0.01%/day for new customers (first base period). Effective APR ranges from 1090% to 6721% depending on the product and rate tier. The primary revenue stream.
- Loan origination fees (commissions): One-time issuance commissions are charged at origination: 5% for repeat customers with short payment periods (2-5 days), 15% for customers with longer payment periods (6-30 days) under MiniKasa; and 20% for MaxiKasa. No issuance fee applies to loans with the preferential 0.01%/day rate.
- Late payment and penalty fees: In cases of default, the company charges annual interest on the outstanding debt balance (up to 2% per day of arrears) under statutory provisions of Article 625 of the Civil Code of Ukraine.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | MiniKasa – Preferential (Pilgovа) rate for new customers |
| Usage-based | Pay-as-you-go | MiniKasa – Reduced (Znyzhena) rate for repeat customers |
| Usage-based | Pay-as-you-go | MiniKasa – Standard rate |
| Usage-based | Pay-as-you-go | MiniKasa – Promo rate |
| Usage-based | Pay-as-you-go | MaxiKasa – Reduced (Znyzhena) rate |
| Usage-based | Pay-as-you-go | MaxiKasa – Standard rate |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels9 records
CreditKasa product offering
Product offeringCore offering
CreditKasa is an online consumer microfinance company that provides short-term microloans to individuals in Ukraine through a fully digital, 24/7 platform. The company offers two primary credit line products — MiniKasa for amounts of UAH 1,000–55,000 with terms up to 365 days, and MaxiKasa for amounts of UAH 7,000–100,000 with terms up to 300 days — achieving a reported 93% loan approval rate.
Product overview
CreditKasa (legal entity: TOV 'Ukr Kredyt Finans', EDRPOU 38548598) operates as an online consumer microcredit service for Ukrainian residents, operating since 2017. The company offers two core revolving credit line products: MiniKasa (UAH 1,000–55,000, 365-day term, 2–30 day payment periods) for smaller, short-term needs, and MaxiKasa (UAH 7,000–100,000, 300-day term, bi-weekly or monthly payments) for larger amounts. Both products function as open credit lines allowing clients to draw additional funds within their approved limit without re-applying. The service is fully online with 24/7 application processing, BankID NBU and PrivatBank identity verification, and funds disbursed to any Ukrainian bank card.
Differentiator
Problem solved
Functional benefit
Brands
- MiniKasa: Credit product offering credit lines from UAH 1,000 to UAH 55,000 for up to 365 days, with interest payment periodicity of 2 to 30 days. Features standard, reduced, and preferential interest rate options.
- MaxiKasa
Products and services
- MiniKasa
- MaxiKasa
Quantifiable outcome
- 93% of Ukrainian applicants receive approval for credit
- +4 more outcomes
Companies that use CreditKasa
Customer profileSegments5 records
Ideal customer profiles1 record
CreditKasa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature5 records
CreditKasa partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- NBU Credit RegistercoreEffective July 1, 2024, CreditKasa is required to submit borrower information to the NBU Credit Register, as mandated by the Law of Ukraine on Financial Services and Financial Companies.
- PrivatBankcorePrivatBank provides identity verification services for CreditKasa's digital onboarding process through its private banking identification system. Additionally, PrivatBank's terminal and ATM network serves as a key repayment channel for customers.
- BankID (National Bank of Ukraine)coreCreditKasa integrates with the BankID electronic identification system of the National Bank of Ukraine, allowing customers to verify their identity remotely without uploading physical documents.
- Ukrainian Bureau of Credit Histories (UBKI)coreCreditKasa reports borrower data to credit bureaus and checks applicant credit history through UBKI as part of its risk assessment process.
- EasyPayminorEasyPay's terminal network and online payment platform serve as additional repayment channels for CreditKasa customers.
- City24minorCity24 terminal network is used by CreditKasa customers for loan repayment. No commission is charged for payments made through City24 terminals.
- National Bank of UkrainecoreAs a registered financial institution, CreditKasa operates under NBU supervision and reports to the Credit Register of the National Bank of Ukraine for borrowers with aggregate debt of 50,000 UAH or more.
- Google Play and App StoreminorCreditKasa distributes its mobile applications through Google Play and the Apple App Store, reaching Android and iOS users in Ukraine.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
CreditKasa competitors and assessment
Company assessmentDirect peers
- Miloan: Ukrainian-headquartered online microfinance provider that has expanded internationally. Closely comparable online consumer credit product with similar short-term revolving structure.
- SosCredit: Ukrainian online MFO offering short-term consumer microloans with fully digital onboarding. Direct competitor within the same 33-firm Ukrainian MFO set, similar product mechanics and target customer.
- Moneyveo: One of Ukraine's largest online MFOs providing small consumer loans via a fully digital application flow. Competes head-to-head with CreditKasa for the same underbanked borrower segments in Ukraine.
- AlexCredit: Leading Ukrainian online microfinance organization offering short-term consumer microloans with similar digital onboarding and revolving credit structures. Direct competitor in the same 33-MFO competitive set that CreditKasa tops.
- MyCredit: Ukrainian online microcredit company offering consumer microloans through a website and mobile app. Operates in the same regulatory and competitive landscape as CreditKasa with comparable product sizing.
- Cashpoint: Ukrainian online microfinance organization offering small consumer loans via digital channels. Operates in the same NBU-regulated MFO market with comparable product positioning and customer targeting.
- Profi Credit: Ukrainian operation of the Profi Credit Group, providing online and offline consumer microloans. Comparable business model and target segments, with the added dimension of European group backing.
- Dinero: Ukrainian online microcredit company offering fast consumer loans through web and mobile channels. Closely comparable digital-only microcredit product serving similar underbanked borrower segments in Ukraine.
Broad incumbents
- PrivatBank: Ukraine's largest commercial bank and CreditKasa's identity-verification and repayment partner. Competes for consumer credit demand with broader deposit-funded products and a national branch and ATM network.
- Monobank: Ukraine's largest digital-only bank offering consumer credit cards and installment products through its mobile app. Competes with CreditKasa for the same digitally native, underbanked borrower base but at meaningfully lower APRs, representing the structural rate threat.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CreditKasa social profiles
Digital presenceCreditKasa compliance and trust
Trust signalCompliance3 records
CreditKasa financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreditKasa leadership team
Management profileNumber of profiles
CreditKasa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreditKasa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CreditKasa
What does CreditKasa do?
CreditKasa is an online consumer microfinance company that provides short-term microloans to individuals in Ukraine through a fully digital, 24/7 platform. The company offers two primary credit line products — MiniKasa for amounts of UAH 1,000–55,000 with terms up to 365 days, and MaxiKasa for amounts of UAH 7,000–100,000 with terms up to 300 days — achieving a reported 93% loan approval rate.
Is CreditKasa a public or private company?
CreditKasa is a private company. It is classified as unknown and is currently operating.
When was CreditKasa founded?
CreditKasa was founded in 2017. It employs 251 to 500 people.
Where is CreditKasa based?
CreditKasa is headquartered in Kyiv, Ukraine, in the Europe region.
How does CreditKasa make money?
Three revenue lines are on record. Interest income on microloans are the primary driver. The others are loan origination fees (commissions) and late payment and penalty fees.
Who are CreditKasa's main competitors?
Direct peers on record are Miloan, SosCredit, Moneyveo, AlexCredit, MyCredit, Cashpoint, Profi Credit and Dinero. Broad incumbents are PrivatBank and Monobank.
Does CreditKasa have an API?
No public API is recorded for CreditKasa.
What industry is CreditKasa in?
CreditKasa's product category is Consumer Microfinance. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSAKAMAO, Short-Term Loan Servicing & Collections (Payday/Title). Its NAICS code is 5222 and its SIC code is 6141.