Finbert is a Ukrainian online lending platform (MFO) providing instant microloans to bank cards. Launched in 2020 and built on the Neofin Platform, it offers instant online loans to bank cards with a 93.5% approval rate and 15-minute application processing — available 24/7.
Operated by ТОВ «ФК «Гвадіана» (EDRPOU 42016442), Finbert is a licensed Ukrainian microfinance organization providing instant online loans to bank cards across Ukraine.
🏗️ Project Overview
Company: ТОВ «ФК «Гвадіана» (EDRPOU 42016442) Platform: Neofin Platform Launch: 2020 License: NBU License #171 dated 18.05.2026 Status: Active — licensed Ukrainian MFO
🎯 Key Features
- Instant online loans — 1000–8600 UAH directly to bank card
- 93.5% approval rate — Automated scoring with 15-minute decision
- 24/7 service — Apply anytime, funds arrive in 10 minutes
- First loan at 0.01% — Promotional rate for new clients (first 14 days)
- Transparent pricing — 1% daily (365% APR), no hidden fees
- Flexible terms — 360–364 days, early repayment anytime
- Digital-first — Fully automated, no branch visits needed
- Secure — Encrypted data, BankID integration, no third-party sharing
💳 Loan Products
| Product | Amount | Term | Daily Rate | Special Feature |
|---|---|---|---|---|
| Найкращий (Best) | 1000–8600 UAH | 360–364 days | 1% daily | Standard product |
| Промо (Promo) | 3000–8600 UAH | 10–14 days (up to 360) | 0.01% first 14 days, then 1% | First loan promo |
🎯 Key Metrics
| Metric | Value |
|---|---|
| Approval Rate | 93.5% |
| Decision Time | ≤ 15 minutes (5–10 min for returning clients) |
| Service Availability | 24/7/365 |
| Funding Speed | ~10 minutes to card |
| Daily Interest Rate | 1% (365% APR) |
| Promo Rate (first 14 days) | 0.01% daily (3.65% APR) |
🔒 Security & Compliance
- Licensed by NBU — License #171 dated 18.05.2026
- Deposit Guarantee Fund member — Ukrainian Deposit Guarantee Fund
- Data encryption — All personal and transaction data encrypted
- BankID integration — Secure identity verification
- No third-party data sharing — Privacy-first approach
- Early termination right — 14-day cooling-off period
💳 Loan Parameters
| Parameter | Value |
|---|---|
| Loan Amount | 1,000–8,600 UAH (first loan up to 8,600 UAH) |
| Term | 360–364 calendar days |
| Daily Rate | 1% (standard), 0.01% first 14 days (promo) |
| Repayment | End of term or periodic (10–14 days) |
| Max APR | 3,251.30% (including all fees) |
| Eligibility | Ukrainian citizens, 18+, valid passport/ID, bank card |
🔗 Links
- Platform: finbert.ua
- Telegram Bot: @FinbertUA_bot
- Support: +380 44 357 07 67 | office@finbert.ua
- Legal Info: finbert.ua/pravova-informacia/
🏢 Company Details
Legal Entity: ТОВ «ФК «Гвадіана» (EDRPOU 42016442) Address: 04052, Kyiv, vul. Hlybochytska, 40, room 7 (lit. У) Phone: +380 44 357 07 67 Email: office@finbert.ua Telegram: @FinbertUA_bot
📈 Impact
Finbert has established itself as a leading Ukrainian digital lending platform, providing instant financial access to thousands of Ukrainians. The platform’s automated scoring, instant decisioning, and 24/7 availability have made it a go-to solution for urgent financial needs. Built on the Neofin Platform, it demonstrates the platform’s capability to power production-grade lending operations at scale.
🛠️ Technology Stack
- Core Platform: Neofin Platform (lending automation)
- Scoring: Automated real-time credit scoring
- Identity: BankID integration + document verification
- Payments: Direct card transfers (Visa/Mastercard)
- Infrastructure: Cloud-native, high availability
- Security: End-to-end encryption, PCI DSS compliance