In the first half of 2026, a significant increase in the popularity of installment plans was recorded in Ukraine. The number of installment payments made increased by an average of 5–7% compared to the same period last year. At the same time, the tool has ceased to be the exclusive domain of large purchases and is increasingly used to cover everyday expenses.

From a forced measure to an element of financial planning

Vladimir Solodky, Director of the Digital Business Department and Board Member of Globus Bank, notes that Ukrainians' attitude toward installment plans has changed radically. If it was previously associated with a lack of funds, today it has become one of the ways to rationally manage a personal budget.

"Today, installment plans for Ukrainians are already a fairly common tool for financial planning. Clients choose it due to its simplicity, speed, and the ability to evenly distribute the load on their own budget," the banker emphasized.

What is bought on installment: from electronics to renovation

The structure of purchases in 2025 showed that installment plans are actively used not only for purchasing expensive electronics but also for paying for household services. The popular categories included:

  • apartment renovation;
  • plumbing work;
  • tiling;
  • landscaping of the area around the house.

"Gradually, the limits on exactly what can be purchased in installments are being erased. Installment plans are going beyond just big purchases and becoming a universal digital tool for various life needs," the expert added.

Average check and customer loyalty

The average check amount depends on the product or service category. For large purchases, it can exceed 100,000 hryvnias, however, Ukrainians are increasingly taking out installment plans for smaller amounts as well. This allows avoiding a sharp load on the family budget and more flexibly planning expenses.

A particular point of interest is the loyalty indicator: more than 85% of clients who used installment payments at least once return to this tool again. This indicates that installment plans have firmly entered the everyday financial culture of Ukrainians.