Fast loan to card

How quickly can you get a loan?

In recent years, fast loans have become one of the most in-demand financial tools among Ukrainians. According to NBU data, the number of issued online loans and microloans continues to increase every year. In the first half of 2025, Ukrainians took out 4.39 million microloans — 8% more than during the same period in 2024.

The main reason for this growth is the speed: obtaining such a loan without rejection usually takes no more than 15–20 minutes, making it especially relevant for people who need to resolve urgent financial issues quickly.

Who issues fast loans?

Fast loans can be obtained from microfinance organizations (MFOs), which provide simplified application procedures, minimal document requirements, and high approval rates.

For comparison:
To get a loan from a bank, a borrower must submit a larger set of documents (including proof of income) and provide contact details of colleagues or references. Processing in banks may take several hours or even days, depending on the loan amount.

How does the approval and issuance process of a fast loan work?

Before applying for a loan, it is important to choose a reliable lender that complies with NBU Regulation No. 153 and operates under the Law of Ukraine “On Consumer Lending.” You can do this manually, spending time on searching and analysis, or you can use Portmone — where everything has already been verified for you, ensuring transaction safety.

To submit a loan application, you need to take just a few steps:

1. Open the “Loans” section and select “Apply for a loan”.
   
    
2. Review the list of MFOs and choose the one whose conditions suit you best. Click “Apply”.
   
    
3. The system will redirect you to the lender’s website, where you must log in (or register if this is your first time).
   
    
4. Specify the loan parameters, fill out the application form, and provide and verify the bank card (Visa, MC, or Prostir cards issued by Ukrainian banks are supported). Submit the form for review.
   
    
5. If the application is approved, sign the credit agreement and receive the funds on your card.
   
    

In most cases, the lender makes a decision within a few minutes — thanks to automated data-verification systems and minimal borrower requirements. This means you can get a fast loan even with a poor credit history or without official employment.

Do you need a passport to get a fast loan?

To borrow money from an MFO, you need:

• a passport or ID card
• a taxpayer identification code
• a mobile phone
• a bank card issued by any Ukrainian bank (for example, a Mastercard card from PrivatBank)

The borrower must also be an adult and have a stable source of income (not necessarily official).

Some MFOs allow borrowers to verify their identity and receive an online loan through Diia or via BankID.

In what cases can a fast loan be denied?

Even though MFOs often advertise loans “without rejection”, there are cases when a borrower will be denied. The most common reasons include:

• inaccurate or incorrect information in the application (e.g., passport data or borrower’s full name)
• too many existing loans or a very low credit score
• declared income that is insufficient to service the loan
• borrower’s documents listed as lost or stolen
• a bank card belonging to another person

You will also be denied if you already have an active loan with the same MFO at the time of applying for a new one.

Using Portmone, you can not only select and apply for online loans but also pay for thousands of services — mobile top-ups, utilities, taxes, insurance, and much more. We ensure security, high transaction processing speed, 24/7 customer support, and minimal fees.