Urgent online loan

How to get a loan at night?

Getting an urgent loan even at night is absolutely possible today thanks to microfinance organizations (MFOs) that operate 24/7. All of them allow borrowers to apply entirely online — you only need a laptop or smartphone with internet access. The process is designed so that the system automatically checks the client and makes a decision without rejection, even if the application is submitted outside working hours. This makes it possible to receive money within minutes and at any time, which is especially useful in unforeseen situations such as urgent purchases, equipment repairs, or buying medicine.

To apply for an online loan from an MFO, a borrower must:

• be over 18 years old
• have a passport (or ID card) and a taxpayer identification number
• have a stable source of income (it does not necessarily need to be official)

Additionally, a borrower must have a mobile phone and a bank card (for example, VISA or Prostir), issued by any Ukrainian bank.

It is recommended to borrow only from those microfinance organizations that comply with NBU Regulation No. 153 and operate within the current legislation of Ukraine, particularly the Law “On Consumer Lending”. Only such MFOs are presented on the Portmone website — meaning you do not need to spend time searching for or verifying credit organizations, as we have already done it for you.

How does the process of receiving funds at night work?

The process of obtaining a loan at night through Portmone is no different from receiving a loan during the day:

1. Go to the “Loans” section and select “Apply for a loan”.
   
    
2. Review the available credit organizations and their lending conditions, then choose the one that suits you best. Click “Apply”.
   
    
3. Once the system redirects you to the MFO website, register or log into your personal account.
   
    
4. Enter the loan parameters, fill out the application form, and verify the card to which you want to receive the loan funds. Submit the application for review.
   
    
5. If approved, sign the loan agreement and receive the funds on your card (Visa, Mastercard, and Prostir cards are supported).
   
    

Card verification is mandatory, as it guarantees the client’s financial security and confirms that the funds will be received by the rightful cardholder.

The entire 24/7 loan process takes no more than 20 minutes, including the time needed for funds to be credited to your bank card.

Using Portmone, you can not only find and receive an online loan (for example, a 12-month loan), but also pay for services from thousands of companies — utility bills, mobile top-ups, fines, insurance policies, and much more. With Portmone, it all takes just a few minutes.

In what cases can a loan be denied?

Although most MFOs are ready to issue urgent loans and guarantee almost 100% approval, there are situations in which your application may be rejected. The most common reasons include:

• providing incorrect or false information in the application
• having multiple active loans and overdue payments
• providing invalid, lost, or forged documents
• using a card that does not belong to the borrower
• low credit score

It is also important to remember that one MFO can issue only one loan at a time. To obtain another loan, you must either close the previous one or apply to another financial organization.

To reduce the likelihood of rejection, double-check the application form for errors before submitting it, ensure your card is active, and that it has at least a small balance. It is also important to provide only accurate information — not only personal data, but also your income level. If your application is rejected, you can try submitting a request to another MFO — their scoring algorithms may differ, and the decision might be positive.

In which regions are online loans not issued during the war?

Under martial law in Ukraine, microfinance organizations and banks may limit online lending not only in temporarily occupied territories but also in regions where active hostilities are taking place. These restrictions are introduced by each organization independently, based on internal risk policies and operational guidelines.