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Kredyt Kapital
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© 2026 TOV "FK Kredyt-Kapital"

Financial solutions for business and individual clients

Kredyt Kapital is a modern FinTech company that manages debt and helps people find real solutions. We are part of Rekapital Group and since 2006 have been helping millions of clients organise their financial situation.

Who we help

Do you have debt?

You are not alone. We will help you find a solution. Kredyt Kapital offers convenient and transparent tools for settling debt.

In the portal you can:

  • check your debt amount
  • split repayment into instalments
  • pay online

No stress. No pressure.

Log in to your portal

For banks and investors

Kredyt Kapital manages over 1,100 loan portfolios worth UAH 112 billion - the largest NPL portfolio buyer in Ukraine with 25%+ market share. We offer a full NPL portfolio servicing cycle - from analysis to recovery.

Careers

Join a team of over 250 specialists developing fintech solutions for the financial market.

View open positions

A loan in 3 steps

Get your loan in just 20 minutes - fast, simple, transparent.

Apply (5 min)

Apply online or call us on the free number 0 800 200 502. Our consultant will review your application and give you a decision within 5 minutes. All you need is your passport and tax ID number (IPN). You don't need to visit our office.

Sign the agreement (10 min)

Visit our office or use an online signature. Our consultant will explain all the terms and show you the repayment schedule.

Receive the money (5 min)

Funds are transferred to your card within 5 minutes of signing. Early repayment is possible without penalties.

Why choose Kredyt Kapital

Advanced technology

Fast and secure decisions thanks to modern FinTech tools: CRM, behavioural scoring, A/B tests and handling up to 60,000 contacts per day.

Market leader

~25% NPL market share, over 1,100 portfolios, UAH 112 billion nominal value - the strongest position among non-banks in Ukraine.

Client-centred approach

Flexible repayment options without pressure. Transparent principles and a fair approach to debt restructuring.

Legal expertise

Over 90 lawyers ensure compliance at every stage. Full cycle: pre-litigation, litigation, enforcement.

Experienced team

Average team tenure of over 11 years. One of the most stable teams in the industry.

Full transparency

Licensed and supervised by the NBU. No hidden fees - for debtors and partners.

Key figures

on the market (since 2006)

20 years

NPL market share

~25%

clients served

4M+

portfolio value

UAH 112B

funds recovered

UAH 3.5B

experts in the team

250+

managed portfolios

1,100+

centres: Lviv + Kyiv

2

Have debt? You are not alone.

If you are experiencing financial difficulties, we are here to help - without pressure or judgement. You can take the first step online, at your own pace, from anywhere. We focus on solutions, not stress. Together we will find a way out that works for you.

Contact us

Regulatory and legal information

We operate in accordance with applicable law and under the supervision of the relevant authorities. Below you will find key information about our operations and the products we offer.

Registration details and licence

Lender: TOV «FK Kredyt-Kapital»

EDRPOU: 35234236

Licence: Financial institution No. 170

Operations are conducted in accordance with National Bank of Ukraine regulations.

Supervision and consumer protection

The National Bank of Ukraine (NBU) supervises the activities of financial institutions.

More info: bank.gov.ua/consumer-protection

Consumer rights are also protected by the State Service of Ukraine on Food Safety and Consumer Protection.

Product parameters (PML Credit)

Loan product parameters are set individually and may include: loan amount, financing period, interest rate, fee, APR. Detailed terms are defined in the agreement.

Payment details

IBAN: UA143808050000000000265032314

All payments must be made in accordance with the details provided in the agreement or client portal.

Protected categories of clients

We operate in accordance with regulations on the protection of certain categories of persons, including persons in difficult life circumstances and persons under special legal protection.

Important information and warnings
  • Taking on a financial obligation implies a duty to repay it.
  • Late repayment may result in additional costs.
  • Failure to repay may result in legal action.
  • The amount of the obligation may increase in the event of delay.
  • Data may be processed in accordance with applicable law.
  • Information on the website is for informational purposes only.
  • Final terms are defined in the agreement.
  • If in doubt, please contact customer support.
  • Please read the terms carefully before entering into an agreement.
  • All financial decisions should be made consciously.

Latest news

Kredyt Kapital launches new website

Kredyt Kapital, one of the largest fintech companies in non-performing loan management in Ukraine and part of Rekapital Group, presents a new website. The new platform brings together all key areas of activity in one place: a client portal for debtors, a knowledge base, information for investors and partners, a careers section, and a full corporate section.

View news

2024 Results — a record year

2024 was the best year in Kredyt Kapital's history in terms of financial and operational results. Gross Collection — UAH 491 million, portfolio investments — UAH 245 million, net profit — UAH 192 million.

View news

EwaCash — new lending platform

Rekapital Group launches EwaCash — a modern digital consumer lending platform. The new service expands the Group's ecosystem and allows clients to obtain financing quickly, transparently and entirely online.

View news