LoviLave
LoviLave: crypto loan 2026 — can you get a loan in USDT?
An honest overview of terms, licensing, fees, and reviews
LoviLave is a Ukrainian online lending service,
operating under the legal entity LLC “FC KIF” (EDRPOU code 42359240).
The company’s website features a dedicated page “Crypto loan (cryptoloan) in Ukraine 2026”, however, it is important to correctly
interpret its content: LoviLave does not offer its own loans in USDT, BTC or other cryptocurrencies.
The page is informational in nature and describes crypto-loans, crypto microfinance organizations and risks of such products, while providing an alternative
of a regular consumer loan from LoviLave in UAH with payout to a bank card.
Thus, the query “LoviLave crypto loan” might mislead users due to the name of the landing page:
the actual product of the company is a microloan in UAH. The funds are not sent to a crypto wallet, not issued
in USDT, and do not require collateral in BTC, ETH or other digital assets.
According to current information on LoviLave’s website, the first loan is available in the amount
from 500 to 6,000 UAH, and a repeat loan — from 500 to 15,000 UAH.
The term of the loan agreement is up to 90 days, and the grace period is chosen by the client within
1–30 days. The page indicates that the rate during the grace period may be
from 0.01% to 1.66% per day, while after its expiration the standard rate applies
1.66% per day, if the loan is not repaid and no new grace period is set.
The lender is LLC “FC KIF”. In the open register of the National Bank of Ukraine, the company is listed as a financial company
with a valid license for the activity of a financial company with the right to provide funds and banking metals as a loan.
The license was reissued by the National Bank of Ukraine on March 20, 2024. In May 2024, the NBU approved a change
in the scope of the license: factoring and financial leasing were excluded, while the right to lend remained.
Date of information verification: July 24, 2026. On the website and in specific PDF documents LoviLave,
various versions of rates and maximum amounts can be found, so before signing the agreement, you should rely on
the individual conditions in the loan calculator and directly in the contract.
Key characteristics of the company
| Operating country | Ukraine |
|---|---|
| Website | lovilave.com.ua |
| Legal entity | LLC “FINANCIAL COMPANY KIF” |
| EDRPOU code | 42359240 |
| Legal address | 61072, Ukraine, Kharkiv, Otagar Yarosha Street, building 24B |
| hello@lovilave.com.ua | |
| Phone | +380 67 561-38-04; +380 50 428-17-07 |
| Support | Mon–Fri, 10:00–19:00; the website also lists the support Telegram channel @lovilave_ua_support |
| Year of legal entity registration | 2018 (LLC “FC KIF” registered on August 6, 2018) |
| Manager | Elizaryev Sergey Volodymyrovich (according to the current data from the EDR, published by open data services) |
| Owner / Beneficiary | Topchiy Hlib Olegovych — 100% (according to the current data from the EDR, published by open data services) |
| Does LoviLave issue loans in cryptocurrency? | No. LoviLave’s own credit product is issued in UAH to a bank account/card. |
| Maximum amount of the first loan | Up to 6,000 UAH according to the current product page |
| Maximum amount of the repeat loan | Up to 15,000 UAH according to the current product page |
| Term of the agreement | Up to 90 days; grace period — from 1 to 30 days |
| Rate | On the current page: from 0.01% to 1.66% per day during the grace period; standard rate — 1.66% per day |
| Real annual percentage rate | The current page indicates a range from 3.711% to 114432.08% per annum depending on individual conditions |
| Disbursement fee | Not provided according to LoviLave; the page explicitly states that there are no fees, additional and accompanying payments for the loan |
| Borrower age | 18–65 years |
| KYC / documents | Passport or ID card, TIN, citizenship of Ukraine, mobile phone and payment card in the name of the borrower |
| License | Valid NBU license for the activity of a financial company with the right to provide funds and banking metals as a loan; reissued on March 20, 2024 |
| Independent rating | Banki.ua: 1.9/5 based on 47 ratings/reviews at the time of verification; Minfin: 20 published reviews, with no single public average score on the page |
Main parameters of the company
- Brand name: LoviLave (Lovi Lave)
- Legal entity: LLC “FC KIF”
- Type of company: non-bank financial company / online micro-lending service
- Main credit product: consumer microloan in UAH without collateral
- Crypto loan: no own product in USDT/BTC/ETH
- Method of receipt: cashless transfer to the account of the individual, including by payment card details
- Application review: about 1 minute is stated on the website in automatic mode
- Collateral: not required
- Income certificate: online arrangement without paper income certificate is stated on the website
- Extension: provided; to extend the grace period, you need to pay the accrued interest and choose a new period in the personal account
Company services
The main service of LoviLave is not a crypto-loan, but short-term online lending to individuals in UAH.
The page about crypto-loans is used as educational material and explains the difference between secured
crypto loans, crypto-MFIs without collateral, and licensed lending in Ukraine.
- First online loan
According to the current page of LoviLave, the amount is from 500 to 6,000 UAH. The individual rate depends on scoring,
promo code, and the conditions visible to the client before signing the contract. - Repeat loan
For repeat clients, the stated limit on the current page is up to 15,000 UAH. - Automatic registration
The application is submitted online; the service uses automated scoring. The page about crypto-loans also mentions
identification through BankID or Diia. - Extension
If the client cannot repay the full amount at the end of the grace period, the site describes the possibility of paying accrued
interest and choosing a new grace period. - Early repayment
The consumer has the right to repay the loan early; interest is calculated according to the actual period of use of the funds
as per the terms of the contract. - Loan repayment
The website indicates payment by card, bank transfer/payment by details, and repayment through available channels
in the personal account.
What does the “Crypto loan” page mean on LoviLave
The separate LoviLave page for the request “crypto loan” is not an application for USDT. In the material, the company describes
three different categories: secured loans against crypto assets, unsecured “crypto-MFIs” and regular
licensed microloans in UAH.
In the final part of the page, LoviLave directly positions its own product as
an alternative to crypto loans: the client receives UAH on the bank card, the rate is fixed in UAH,
and the lender is a Ukrainian financial company with an NBU license.
Therefore, in the ranking of crypto-lending services, LoviLave would be more appropriately categorized not as a crypto loan provider, but as
a fiat alternative to crypto-MFIs for Ukrainian borrowers.
Interesting facts about the company
- LLC “FC KIF” was registered on August 6, 2018.
- In the footer of LoviLave, the brand’s operational period is indicated as © 2019–2026.
- The service uses the “Voli” chatbot for application processing.
- In the NBU register, the company has the status of a financial company with a valid credit license.
- On May 17, 2024, the NBU approved the reduction of the license scope: factoring and financial leasing were excluded, but the right to lend remained.
- In open documents and on the current page of the website, there are discrepancies regarding specific rates and limits, so final figures must be checked in the individual contract.
- The page about crypto-loans literally advertises the UAH loan from LoviLave as a regulated alternative to unsecured USDT loans.
Advantages and disadvantages of the company
Advantages
- valid NBU license for lending
- the lender and legal address are publicly disclosed
- complete online processing
- no cryptocurrency collateral or crypto wallet needed
- the current page states there are no fees and additional payments for the loan
- early repayment is possible
- extension is available according to the rules of the service
- the new client can access a minimum rate starting from 0.01% per day under certain conditions
Disadvantages
- this is not a crypto loan: the page title “Crypto loan” may create a false impression that LoviLave issues USDT
- the standard daily rate of up to 1.66% means high costs for prolonged use of the loan
- the website indicates a very wide range of real annual percentage rates — up to 114432.08% per annum
- different public documents from LoviLave feature differing limits and rates, complicating comparisons without opening the calculator/contract
- the independent rating on Banki.ua at the time of verification is low — 1.9/5
- some recent negative reviews relate to calls to third parties and disputes regarding debts; these are user claims, not established ZIND facts
Client reviews of LoviLave
The reputation of LoviLave on independent Ukrainian platforms is mixed. On Banki.ua, at the time of verification, the company’s page
had a rating of 1.9 out of 5 based on 47 ratings/reviews. On Minfin, 20 reviews were published.
Reviews concern the regular UAH microloan from LoviLave, not crypto loans.
What people praise
- quick application processing;
- simple online form;
- fast crediting to the card;
- possibility of obtaining a loan without collateral and paper income certificates.
For example, in positive reviews on Minfin in 2025, users described fast processing and receiving funds on a card within minutes.
At the same time, some positive reviews on Minfin were marked by the administration as “not counted”,
as authors did not provide proof that they were clients of the company.
Therefore, when assessing reputation, such reviews should not be equated to verified client experience.
What people complain about
- frequent phone calls and SMS;
- contacts with third parties or relatives;
- rude communication style from support/collections — according to claims by some authors;
- disputes regarding the existence or amount of debt;
- high actual overpayment during prolonged use of the loan.
In June 2026, a sharply negative review by a user was published on Minfin and Banki.ua, claiming
that after closing the loan, they received demands to pay an additional amount and that calls were made to relatives.
ZIND has no means to independently verify the author’s documents, so these claims should be viewed as
a user complaint, not as proven violations by the company.
Similarly, in January and April 2026, complaints appeared on independent platforms from people claiming about
calls regarding the debts of other persons. Meanwhile, in 2025, there are also positive assessments of the speed and convenience of the service.
Banki.ua: 1.9/5, 47 ratings/reviews at the time of verification.
Minfin: 20 reviews; some positive reviews were not counted by the administration due to lack of proof of service use.
Trustpilot: a separate relevant public rating of LoviLave during verification was not utilized; to assess reputation, Ukrainian profile platforms were used.
Comparison with crypto loans
LoviLave is not a direct crypto lender, so it is more appropriate to compare it not by the USDT loan rate, but by the model
of fund acquisition, regulation, and collateral requirements.
| Format | What the client receives | Collateral | Regulation in Ukraine | Main risk |
|---|---|---|---|---|
| LoviLave | UAH to a bank account/card | Not required | Lender — LLC “FC KIF”, valid NBU license for lending | High cost of short-term loan for prolonged use |
| Secured crypto loan | USDT/other digital asset or loan secured by crypto | Cryptocurrency is required as collateral | Depends on the platform and jurisdiction | Liquidation of collateral in case of its value decline |
| Unsecured “crypto-MFI” | USDT without crypto collateral | Typically not required | Does not automatically equate to licensed Ukrainian consumer credit | Regulatory status, loan cost, personal data protection and debt collection mechanism |
How LoviLave works and interacts with clients
The typical client journey looks like this: selection of amount and grace period → filling out an online application →
identification and data verification → automatic decision → signing an electronic contract →
transfer of UAH to bank account/card.
For the first application, the company states the following requirements: passport or ID card, TIN, citizenship of Ukraine,
valid bank card in the client’s name, and a mobile phone. For subsequent loans, resubmitting documents is usually not required if the data has not changed.
It is important not to confuse the term of the agreement and the grace period. On the website, the term of the agreement is noted as 90 days,
and the grace period is chosen by the client from 1 to 30 days. If the loan is not repaid at the end of the grace period,
the client can pay the accrued interest and choose a new period. If not done, until the end of the loan term, the site describes the application of the standard rate of 1.66% per day.
Fees and loan costs
There are no specific “crypto fees”, blockchain fees, maker/taker fees or fees for converting USDT at LoviLave,
since the company does not issue cryptocurrency loans.
| Parameter | Current information | Comment |
|---|---|---|
| Minimum rate | From 0.01% per day | May depend on the product, promo code, repeat requests, and risk assessment |
| Maximum rate during the grace period | Up to 1.66% per day | According to the current LoviLave page |
| Standard rate after the grace period | 1.66% per day | Applies as described on the website scenario, if the grace period ended and the loan is not repaid/not extended |
| Real annual percentage rate | From 3.711% to 114432.08% | Range published on the current page of the loan product |
| Loan issuance fee | Not provided | The website states that there are no fees, additional or accompanying payments for the loan |
| Cryptocurrency / blockchain fee | Not applicable | LoviLave issues UAH, not USDT |
| Penalty/late fee | The current standard information on the site states that a penalty and late fee are not applied | Consequences of delay and specific payments must be verified in the individual contract |
Example calculation provided by LoviLave
The website provides an example of a loan of 2,000 UAH with a rate of 1.35% per day. If repaid within 10 days,
the interest will amount to 270 UAH, and the total repayment amount will be 2,270 UAH. Another example shows that if the loan is used
for 65 days transitioning from a rate of 1.35% to a standard 1.66%, the total repayment for a 2,000 UAH loan would
amount to 3,923 UAH.
Discrepancy found in public documents
During verification, ZIND found that some PDF files in the official documents section of LoviLave contain different figures
than the current product page. For instance, in the document on essential features of “First loan”, a rate of up to 2.5% per day and
a real annual rate of up to 912.5% is encountered, and in the document regarding the repeat microloan, a limit of up to 8,000 UAH is mentioned. Meanwhile, the current page of LoviLave as of July 24, 2026 shows up to 15,000 UAH for a repeat loan and a maximum standard rate of 1.66% per day.
Due to this inconsistency, before formalizing, it is important to verify the personal calculator, the loan passport, and
the contract provided to the specific borrower on the date of formalization.
Client Frequently Asked Questions (FAQ)
- Does LoviLave issue a crypto loan in USDT?
- No. The “Crypto loan” page is informational. LoviLave’s product is a loan in UAH with cashless transfer to a bank account/card.
- Why is there a page about crypto loans on LoviLave’s site?
- The company explains the difference between loans secured by cryptocurrency, unsecured crypto-MFIs, and Ukrainian licensed microloans, positioning its own UAH loan as an alternative.
- What is the maximum amount that can be obtained?
- According to the current page: up to 6,000 UAH for the first loan and up to 15,000 UAH for a repeat loan.
- What is the rate?
- On the current page, it is indicated from 0.01% to 1.66% per day during the grace period; the standard rate is 1.66% per day. The actual rate depends on individual conditions.
- What is the loan term?
- The term of the agreement is up to 90 days. The initial grace period is chosen by the client from 1 to 30 days.
- Is there a fee for issuing a loan?
- According to the information on the current page of LoviLave, there are no fees, additional or accompanying services/payments for the loan.
- What documents are required?
- Passport or ID card, TIN, citizenship of Ukraine, mobile phone and bank card issued in the name of the borrower.
- Is there a NBU license?
- Yes. LLC “FC KIF” is listed in the NBU register as a financial company with a valid license to provide funds and banking metals as a loan. The license was reissued on March 20, 2024.
- Did the NBU revoke LoviLave’s license in May 2024?
- No. The NBU approved a change in the scope of the license of LLC “FC KIF”: factoring and financial leasing were excluded, but the right to provide funds and banking metals as a loan remained.
- Can the loan be repaid early?
- Yes. The public information of LoviLave allows for early repayment; the final procedure is defined in the contract.
- What reviews are there about LoviLave?
- Reviews are mixed. Some users praise the speed and simplicity of processing, but there are many complaints regarding calls, communication during collections, and disputes regarding debts on independent platforms. Banki.ua showed 1.9/5 based on 47 ratings/reviews at the time of verification.
Conclusion: Is LoviLave a crypto lender?
No. LoviLave does not issue loans in USDT, BTC, or other cryptocurrencies. The page “Crypto loan”
on lovilave.com.ua is a content page about the crypto lending market, while the company’s own product is a licensed
consumer microloan in UAH.
In terms of legal transparency, LoviLave has a significant advantage over unregulated crypto-MFIs:
the lender is the Ukrainian LLC “FC KIF”, which is listed in the NBU register and has a valid right to lend.
At the same time, the cost of the loan may be high: the current page allows for a standard rate of 1.66% per day,
and the declared real annual percentage rate can reach 114432.08%.
Separately, the reputational factor should be considered. On Banki.ua, LoviLave’s rating at the time of verification was 1.9/5,
and on Minfin, there are both positive reviews about processing speed and negative complaints about communication and calls
regarding debt resolution. Such reviews are not evidence of violations on their own, but they should be taken into account before
formalizing a loan.
The biggest concern is regarding information transparency — different figures in specific official PDFs and on the current website page.
Therefore, ZIND recommends verifying the individual loan contract, actual daily rate,
total repayment amount, extension terms, and consequences of late payment before signing.
Sources
- LoviLave — page “Crypto loan (cryptoloan) in Ukraine 2026”
- Official LoviLave website — lending terms, contacts, warnings and calculator
- LoviLave — official documents section
- National Bank of Ukraine — register of financial institutions/licenses
Note from ZIND: lending terms may change. Data verified as of July 24, 2026.
In case of discrepancies between the review, advertising page, PDF documents and personalized offer
the terms of the contract provided to the client directly before the loan formalization prevail.