Ukrainians took out more than 2 million microloans in a quarter: debts increased by 26%
4 December 2025 13:44
Ukrainians continue to actively use the services of microfinance organizations (MFIs). In the third quarter of 2025 alone, they took out 2,138,569 microloans, borrowing more than UAH 13.7 billion from MFIs. This is evidenced by an analysis of financial statements conducted by Opendatabot, "Komersant Ukrainian" reports
Since the beginning of the year, the number of microloans issued has exceeded 6.5 million, and the total amount of such loans has reached UAH 40 billion.
The average microloan amount is growing
Despite the fact that the number of microloans decreased by about 2% during the quarter, the average loan amount increased:
- uAH 6,417 in the third quarter of 2025 vs;
- uAH 5,773 at the beginning of the year.
This means that Ukrainians are borrowing less frequently, but for larger amounts.
Debts to MFIs increased by a quarter
The repayment rate of microloans remains problematic. As of October 1, the total debt to MFIs reached UAH 25.15 billion, which is 26% more than at the beginning of the year.
Experts explain that the growth of debts is due to the difficult economic situation, high inflation, and declining incomes.
Rating of the largest microfinance organizations in Ukraine
The top ten in the first three quarters of 2025 was headed by UKR CREDIT FINANCE, which operates under the CreditKasa brand with a revenue of UAH 2.4 billion. For comparison, for the whole of last year, the company’s revenue amounted to UAH 4.2 billion.
Credit plus (AVENTUS UKRAINE) is in second place with revenue of UAH 1.67 billion.
The top three payday lenders are rounded out by ShvydkoGroshi (CONSUMER CENTER) with UAH 1.63 billion in revenue for the three quarters of this year.
Opendatabot has published a rating of the top 10 microfinance organizations by revenue for the three quarters of 2025.
TOP-10 MFIs by income:
- UKR CREDIT FINANCE (CreditKasa ) – UAH 2.48 billion
- AVENTUS UKRAINE (Credit Plus) – UAH 1.68 billion
- CONSUMER CENTER (ShvydkoGroshi ) – UAH 1.64 billion
- Lineura Ukraine (Credit7) – UAH 1.4 billion
- FC “Ye Money” (E-Groshi) – UAH 1.23 billion
- Miloan – UAH 1.19 billion
- Moneyveo – UAH 1.12 billion
- Selfie Credit – UAH 1.02 billion
- MyCredit – UAH 0.93 billion
- Business Loan – UAH 0.93 billion
CreditKasa has already earned almost as much as in the whole of 2024, which indicates the growth of demand and an aggressive strategy in the market.
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