Loan via Diia

What is Diia and how does it help with obtaining a loan?

Diia is an innovative service that provides Ukrainian citizens with access to electronic documents and allows them to receive various government services online. Thanks to integration with financial institutions (including banks), users can undergo identity verification in just a few clicks, making the process of obtaining financial products extremely simple and fast.

To take out a loan through Diia, you must first find a reliable lender that not only complies with NBU Regulation No. 153 and operates within the Law “On Consumer Lending”, but also supports identity verification through Diia. If you do not have the time or desire to search for such lenders yourself, you can use Portmone, where all checks have already been completed for you.

How to apply for a loan through Diia?

To submit a loan application through Diia, follow this simple algorithm:

1. Select a financial company whose loan conditions suit you best and click “Apply”.
   
    
2. Wait for the system to open the lender’s website, where you must register or log into your personal account if you have used the service before.
   
    
3. Specify the parameters of the desired loan without rejection, fill out the application form, enter the details of the card on which you want to receive the money, and verify it. Cards of Visa, Prostir, and Mastercard payment systems are supported.
   
    
4. Submit the application for review and wait for the decision.
   
    
5. If the verification is successful, sign the loan agreement and receive the funds on your card.
   
    

Following the same algorithm, Portmone also allows users to apply for other types of loans online — for example, a loan via BankID, a loan for military personnel of the AFU, or a loan without rejection. Additionally, the service allows you to pay for various services 24/7, ensuring security and high payment-processing speed.

What are the requirements for obtaining a loan through Diia?

Online loans through Diia are primarily offered by microfinance organizations (MFOs), which are extremely popular in Ukraine because they are ready to provide almost 100% loan approval. This is because MFOs impose minimal requirements on borrowers:

• age — 18 or older
• Ukrainian citizenship and a valid registered address
• a bank card issued by any Ukrainian bank (for example, a Visa card from Monobank)
• stable income

Identity verification through Diia not only guarantees the security of personal data but also significantly speeds up the borrower verification process.

What loan amounts are available through Diia?

The minimum and maximum loan amounts are set individually by each financial organization based on internal policies and rules. Typically, MFOs allow new clients to take out their first loan in amounts up to 10,000 UAH. For returning customers who have successfully repaid at least one previous loan, the maximum amount may reach 50,000 UAH.

Banks, compared to MFOs, are willing to issue loans up to 200,000 UAH. However, such loans require much more time to process and involve a larger set of required documents. Banks are also significantly more demanding regarding borrowers’ credit history, meaning that obtaining money from a bank is more difficult.

How quickly is a loan approved when applying through Diia?

One of the key advantages of using Diia to obtain a loan is the high speed of processing and verification. Since you do not need to photograph and upload documents, and the lender does not need to perform additional checks to confirm your identity, the process is much faster.

On average:

• verification through Diia in MFOs takes no more than 2–3 minutes
• the entire loan application process takes 15–20 minutes, including the time required for the funds to be credited to your card