Q: 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.

Q: Payment details

IBAN: UA143808050000000000265032314 All payments must be made in accordance with the details provided in the agreement or client portal.

Question 1

Registration details and licence

Accepted Answer

Lender: TOV «FK Kredyt-Kapital»

EDRPOU: 35234236

Licence: Financial institution No. 170

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

Question 2

How to repay your debt

Accepted Answer

Repaying your debt can be simpler than it seems. See how to do it step by step.

Log in to the Client Portal — Check your case details and the current amount owed.
Review your options — Full repayment or a solution suited to your situation.
Choose a payment method — Online payment or an instalment plan.
Make the payment — Quickly and securely through the Client Portal.
Download confirmation — After repayment you will receive a confirmation document.

If you cannot repay in full right away — check the instalment option.

Question 3

What documents are required?

Accepted Answer

In most cases, a passport and IPN are sufficient. Depending on the situation, we may ask for additional information.

Question 4

Supervision and consumer protection

Accepted Answer

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.

Question 5

How quickly will I receive the money?

Accepted Answer

You can receive a decision in a few minutes, and funds can be transferred the same business day.

Question 6

What is debt restructuring

Accepted Answer

Restructuring allows you to adapt repayment to your means — it is a change of terms, for example splitting the debt into instalments.

When can you use it

when you cannot repay all at once
when you need more time
when you want to get the situation under control

How to apply

Log in to the Client Portal
Select restructuring
Fill in the form
Wait for a decision

Question 7

Product parameters (PML Credit)

Accepted Answer

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

Question 8

Can I repay the loan early?

Accepted Answer

Yes — early repayment is possible. See the agreement for details.

Question 9

Your rights as a debtor

Accepted Answer

You have rights — it is worth knowing them.

Your rights include

the right to information
the right to be contacted during set hours
the right to data protection
the right to file a complaint

Complaints: you can file a complaint at any time — online or by contacting us.

Question 10

Payment details

Accepted Answer

IBAN: UA143808050000000000265032314

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

Question 11

What is APR?

Accepted Answer

The Annual Percentage Rate shows the total cost of the loan over one year, including interest and all fees.

Question 12

What will happen if you don't act

Accepted Answer

Inaction does not resolve the situation — but it is worth knowing what may happen.

Interest accrual
Reporting to registers
Court proceedings
Enforcement

The most options for resolving a case are available at its early stage.

Question 13

Is collateral required?

Accepted Answer

In most cases the loan is granted without collateral, but this depends on the product chosen and the credit assessment.

Question 14

Frequently asked questions (FAQ)

Accepted Answer

Who is Kredyt Kapital?: A fintech company specialising in debt management.
Where does my debt amount come from?: From the agreement signed with the original creditor.
Can I pay in instalments?: Yes — in many cases this is possible.
Can I get a discount?: It depends on the individual situation — contact us.
Why are you contacting me?: Because we manage your case.
I did not take out a loan — what should I do?: Contact us — we will look into the case.

Question 15

Protected categories of clients

Accepted Answer

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.

Question 16

Can I get a loan if I have other obligations?

Accepted Answer

We assess every application individually. Submit an application or contact us to check what is available.

Question 17

Important information and warnings

Accepted Answer

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.

Knowledge base

Knowledge base

Documents