Lending software for Ukraine

A mobile-first market where Diia and BankID NBU make onboarding remote and card rails carry most loans. lendhero arrives with UBKI, Diia and Card transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • UAH (UAH)
  • Ukrainian, English
  • 16 local connectors
  • 1–2 weeks to launch

Pryvit, Olena

Approved15 000 UAH

770

Credit score

On-time payments

Monthly payment1 480 UAH

Market profile

Ukraine at a glance

What lendhero is set up for in Ukraine before your team logs in.

Currency

UAH (UAH)

Languages

Ukrainian, English

Supervisor

National Bank of Ukraine

Credit data

UBKI, First Credit Bureau, NBU credit register

Payout rails

Card transfers, SEP

Data protection

the Law on Personal Data Protection

16
local connectors wired in before kickoff
UAH
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Ukrainian, English

Working with borrowers in Ukraine

Tools for every borrower conversation

Borrowers in Ukraine apply, sign, pay and come back for repeat loans in Ukrainian and UAH.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by Viber Business and Telegram automatically.

Your application is approvedViber Business
Your payment is due tomorrowTelegram
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Ukrainian.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Olena · Consumer loan, 6 months · 15 000 UAH

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Ukraine stack, connected before kickoff.

UBKI, Diia, Card transfers and Viber Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries3 connectors
    • UUBKI
    • FFirst Credit Bureau
    • NNBU credit register
  • Identity & KYC2 connectors
    • DDiia
    • BBankID NBU
  • Bank & alternative data2 connectors
    • BBank statements
    • DDiia documents
  • Disbursement rails2 connectors
    • CCard transfers
    • SSEP
  • Repayments & collections2 connectors
    • CCard
    • BBank transfer
  • Messaging3 connectors
    • VViber Business
    • TTelegram
    • IInfobip
  • E-signature2 connectors
    • DDiia.Signature
    • VVchasno

Checks and payments

Who borrows and how money moves in Ukraine

Applicants are checked with UBKI and First Credit Bureau, and money moves via Card transfers and SEP.

Client checks

Checks connected in Ukraine:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationDiia, BankID NBUPass
  • Credit bureausUBKI, First Credit Bureau, NBU credit registerPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, Diia documentsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Ukraine:

DisbursementCard transfers, SEP in UAH
RepaymentCard, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Card transfers
  • SEP
  • Card
  • Bank transfer

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in UAH are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

15 000 UAH

On track
Auto-calculated · 200+ parametersManual edit
Repaid 5 350 UAH of 16 050 UAH2 of 6 payments
DateAmountStatus
Sep 42 680 UAHPaid
Oct 42 680 UAHPaid
Nov 42 680 UAHDue in 7 days
Dec 42 680 UAHUpcoming
Jan 42 680 UAHUpcoming
Reminder sentYour payment of 2 680 UAH is due Nov 4

Loan flow

How a loan runs in Ukraine. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Ukrainian and English.
  2. 02VerifyIdentity and documents are checked through Diia and BankID NBU.
  3. 03DecideScorecards pull UBKI and First Credit Bureau data and return a decision in seconds.
  4. 04DisburseFunds go out via Card transfers or SEP in UAH, straight after signing.
  5. 05CollectRepayments arrive via Card and Bank transfer, with reminders over Viber Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

15 000 UAH

Next payment

2 680 UAH · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

OlenaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Ukraine launch on .

Consumer instalment loansOnline loans with UBKI checks and Diia onboarding.
MicrofinanceSmall loans for entrepreneurs and farmers.
Business lendingWorking capital for SMEs.

Compliance

Configured for NBU and the Law on Personal Data Protection.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Ukraine.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Law on Personal Data Protection requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Law on Personal Data Protection.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for NBU rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Central & Eastern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Ukraine?+

Yes. The platform is set up for UAH, Ukrainian and English and NBU requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Ukraine?+

UBKI, First Credit Bureau, NBU credit register. On top of that, identity checks run through Diia and BankID NBU and bank data comes from Bank statements and Diia documents.

How do borrowers get paid and repay?+

Payouts go out via Card transfers and SEP in UAH. Repayments arrive via Card and Bank transfer, with reminders over Viber Business and Telegram.

How long does a launch in Ukraine take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Ukraine? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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