Moneza

Page last edited: 05.11.2026

Moneza – financial opportunities for your future!

Moneza is a Latvian financial technology company that provides loans to individuals and businesses. Consumer loans, car loans, refinancing and loan consolidation are available for 3 to 120 months in amounts of 500 to 25,000 EUR with rates from 6.9% per year. Loans secured by real estate are issued for 1 to 30 years in amounts of 2,000 to 200,000 EUR with rates from 2%; the collateral can be property belonging to the borrower, a family member or an acquaintance. The application takes a few minutes, and income includes not only salary but also benefits or other official income. The company follows the principle of responsible borrowing and, by its own account, provides clear and understandable information about the terms; residents of Latvia aged 18 to 70 can apply.

Phone: +371 26663322
Email: info@moneza.lv
Website: moneza.lv

A loan secured by someone else’s property – for example, a relative’s flat – is possible, but the owner puts their property at risk: if the borrower does not pay, the lender has the right to enforce the pledge. Such decisions should therefore be discussed openly with the owner and with a full understanding of the consequences. Collateral makes it possible to obtain a large amount and a lower rate even with a difficult credit history, but arranging it requires a property valuation and registration of the pledge, which takes more time and costs money. For unsecured consumer and car loans, many lenders, including Moneza, limit the term to 10 years, so large long-term purchases are usually financed against real estate.

Who can get a loan?

The borrower must be at least 18 years old. To assess the possibility of getting a loan, fill out an application with the required details – Moneza will then prepare an offer. The information provided is confidential, and filling out the application takes only a few minutes.

How soon will I receive an offer?

The application takes about a minute to complete, and an offer usually arrives within 15 minutes. The time needed to prepare an offer depends on both the type of loan and the amount requested.

Can I get a loan without a job?

Yes, not only salary is taken into account: benefits and other official income are also accepted, as long as they are sufficient to repay the loan.

Can I get a loan with a bad credit history?

Yes, in this case a loan secured by real estate can be arranged. The collateral can be property belonging to the borrower, a family member, a friend or an acquaintance, and the available amount is up to 200,000 EUR.

How long does it take to review an application?

An application is usually reviewed in about 15 minutes, but the time depends on the chosen loan and the amount: the higher the amount, the longer processing may take, and for large loans the review can take up to one day.