Rate per day
0.01%
Term
to 337 days
First Loan
до 17000 грн
Real annual interest rate
1341% — 2741%
Характеристики
- BankID
- Перекредитування
- На карту
- 95% схвалення (95–97%)
The first interest-free credit card in Ukraine
Updated: 04.06.2026
Matched 16 offers
Sort by daily rate
Rate per day
0.01%
Term
to 337 days
First Loan
до 17000 грн
Real annual interest rate
1374% — 2820%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
від 0.01% на день (за умовами акції знижка 99,9%)
Term
to 365 days
First Loan
до 30 000 грн
Real annual interest rate
1259,21% — 3549,15%
Характеристики
- BankID
- Перекредитування
- На карту
- 91% схвалення (90–97%)
Rate per day
0.01%
Term
to 365 days
First Loan
до 25 000 грн
Real annual interest rate
1 244,55% — 3 422,24%
Характеристики
- BankID
- Перекредитування
- Готівкою
- На карту
- 95% схвалення (95–97%)
Rate per day
0.01%
Term
to 337 days
First Loan
до 25000 грн
Real annual interest rate
1 341% — 2 741%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Залиш номер — отримуй першим ексклюзивні промокоди та акції!
+380
Rate per day
0.01%
Term
to 140 days
First Loan
до 20000 грн
Real annual interest rate
6 470% — 19 428 038%
Характеристики
- BankID
- Перекредитування
- На карту
- 96% схвалення (95–97%)
Rate per day
0.01%
Term
to 365 days
First Loan
до 30 000 грн
Real annual interest rate
1 132,58% — 3 845,25%
Характеристики
- BankID
- Перекредитування
- На карту
- 91% схвалення (90–97%)
Rate per day
1%
Term
to 365 days
First Loan
до 20000 грн
Real annual interest rate
1 244,55% — 3 546,38%
Характеристики
- BankID
- Перекредитування
- На карту
- 97% схвалення (95–97%)
Rate per day
0,01%
Term
to 169 days
First Loan
150 000 грн
Real annual interest rate
1733,86% — 9726,31%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
0.01%
Term
to 80 days
First Loan
до 20 000 грн
Real annual interest rate
49,98% ‒ 2 296,36%
Характеристики
- BankID
- Перекредитування
- Готівкою
- На карту
- 90% схвалення (90–95%)
Rate per day
0,01%
Term
to 1500 days
First Loan
27 000 грн
Real annual interest rate
1597,37% — 2221,34%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
0.01%
Term
to 430 days
First Loan
Instantly
Характеристики
- BankID
- Перекредитування
- На карту
- 91% схвалення (90–97%)
Rate per day
0.01%
Term
to 365 days
First Loan
до 25 000 грн
Real annual interest rate
1 244,55% — 3 422,24%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
0,01%
Term
to 60 days
First Loan
15 000 грн
Real annual interest rate
3,71% — 196 086,56%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
0.01%
Term
to 120 days
First Loan
до 20000 грн
Real annual interest rate
2572,74% — 3369,39%
Характеристики
- BankID
- Перекредитування
- На карту
- 90% схвалення (90–97%)
Rate per day
0.01%
Term
to 165 days
First Loan
до 25000 грн
Real annual interest rate
3.71% — 16 870.86%
Характеристики
- BankID
- Перекредитування
- На карту
- 97% схвалення (95–97%)
The first interest-free card loan in Ukraine
An interest-free loan is a loan that you can get on your card without paying interest. That is, you pay back only the amount you borrowed. This is a very advantageous offer because you can use the money without overpaying. This service is currently offered by several Ukrainian microfinance organizations (MFIs). The terms of a microloan may vary slightly, but they are generally similar.
The first interest-free card loan offers:
- Cost savings, as borrowers do not need to pay additional fees for using the loan, which significantly reduces the total cost of the loan to the level of repayment of the borrowed amount only.
- The convenience of the online microloan application process saves borrowers time and effort by allowing them to apply for a loan from the comfort of their own home and requiring fewer documents, making the process faster and easier.
- The speed of crediting funds to the card after approval of the application, often within a few minutes, is a key advantage, providing convenience in unforeseen situations or in case of urgent need for funds.
- The flexibility to use the funds for any purpose without strict restrictions on the intended use and the need to report to the lender on the purpose of use makes it possible.
Microloan without interest (0.01%) - how realistic is it
Many people may think that taking out a loan without interest is fantastic. But some microfinance organizations offer just such conditions for new clients. The main purpose of such an offer is to attract new customers and give them the opportunity to evaluate the service. Usually, such an offer is valid only for the first loan and for a short period of time, say, a month. The amount that can be borrowed without interest is also limited. However, if the loan is repaid on time, no interest will actually be charged, and instead only a nominal fee of 0.01% will be charged.
How to apply for a loan without interest (0.01%) online without calling the card
The opportunity to take out a loan online without interest and without unnecessary calls is a real lifesaver. We are talking about special offers for new clients from microfinance organizations that offer a microloan with a minimum rate - usually 0.01% for the first loan.
How to apply for an online loan at 0.01%:
- You need to find microfinance organizations (MFIs) that offer microloans to new clients at 0.01%. It is important to pay attention to the terms of the loan, customer reviews, and the organization's license.
- Before applying, carefully read all the loan terms and conditions. This will help you avoid unpleasant surprises in the future. Make sure you understand when and how much you will need to pay back.
- Usually, to get an online loan, you need to fill out a simple form on the MFI's website. You will need to provide basic information about yourself, such as your name, surname, contact information, as well as your bank card information and proof of identity.
- After submitting the application, all you have to do is wait for the MFI's decision. This usually takes from a few minutes to several hours. If your application is approved, the funds will be sent to your card without any additional confirmation calls.
Remember the importance of a cautious approach to financial obligations: don't borrow more than you really need, always pay back your debts on time to avoid unnecessary penalties, and be sure to compare the terms and conditions of different microfinance organizations before making a choice.