Information
"Parcel on Credit" is an offer from Nova Poshta. — an informational article for technicians, service centers, and users, covering practical details related to choosing, using, and repairing electronics.

In October 2023 we announced the "Parcel on Credit" service (Ukrainian: "Posylka v kredyt") on this blog. It was offered through the Nova Poshta network in Ukraine, and the idea was simple: you order parts or tools with cash on delivery, and instead of paying the full amount when you collect the parcel, you cover it with a loan and repay it in instalments. The service still exists in October 2026, but the process has largely moved into an app and the terms have changed. Below is what our 2023 announcement said, what applies now, and who it makes sense for.

How the service worked in 2023

Our original announcement described this process: the buyer ordered goods for delivery to a Nova Poshta branch, checked their credit limit in advance in the Nova Poshta app or at a branch, and told the operator when collecting the parcel that they wanted to pay for it on credit. To sign the agreement they needed a passport and their tax identification number. If the parcel cost more than the available limit, part of the amount could be put on credit and the rest paid in cash.

The loan was not provided by the delivery company itself but by NovaPay Credit, a financial company in the same group as Nova Poshta. That has not changed.

What applies in October 2026

According to the official NovaPay and Nova Poshta pages, checked on 4 October 2026:

  • you arrange the loan in the NovaPay app, in the "Credits" section: you see your limit, choose one or more parcels and sign the agreement; the limit can also be checked in your profile in the Nova Poshta app;
  • the cash-on-delivery amount or the cost of Nova Poshta services must be at least 500 hryvnias; the upper limit is 300,000 hryvnias, within the personal credit limit set for each customer;
  • repayment is in equal monthly instalments over a term you choose between 1 and 36 months, with no down payment;
  • delivery and the cash-on-delivery transfer fee are included in the loan amount;
  • you can inspect the parcel at the branch before signing the loan, and only the person named as the recipient can collect it;
  • eligible customers are Ukrainian citizens aged 18 to 69 who send or receive cash-on-delivery orders at least once every six months.

Interest and fees are set individually. On the NovaPay and Nova Poshta pages, the annual percentage rate (the figure that includes all costs) was listed as ranging from 35.04% to 204.61%. Before you sign, read the payment schedule and the total amount to be repaid in the documents the app generates.

Who it makes sense for, and who it doesn't

The service works in Ukraine, in hryvnias, through the Ukrainian Nova Poshta network. If you run a repair shop in Ukraine and urgently need a part for a job the customer has already approved, paying in instalments can stop that purchase from tying up your working capital until the repair is paid for. For things you do not need right away, the loan makes little sense: the total cost can end up noticeably higher than the original price. A simple record of what each repair costs and earns helps here; we described the options in our article on accounting systems for service centres.

If you order from outside Ukraine, this service does not apply to you: it is limited to Ukrainian citizens and to parcels with cash on delivery in the Ukrainian network.

Ordering from GSM-Forsage with cash on delivery

GSM-Forsage ships orders by Nova Poshta with cash on delivery, which is the payment option the loan applies to. You will find the carrier's cash-on-delivery fee, payment methods and dispatch times on our Delivery and Payment page. The loan agreement is made directly with NovaPay Credit, not with our store, so questions about its terms should go to NovaPay.

Before a large equipment order, it is worth listing what you use at the bench every day and what can wait. Our guide to devices that make repair work more convenient helps separate the essentials from things you can buy later.

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