Banknote

01.05.2026 | Comments: 1

7.1/10 (10)

Amount: 50–10,000 EUR
Term: 12–84 months
Interest: 25.30–54.20% per year

Age: 18–80 years
Processing time: 15 min.
Registration: 0.01 EUR

Piemērs: aizņemoties 300 EUR ar aizņēmuma likmi 3,67% mēnesī, aizņēmuma likme gadā ir 44,12%, gada procentu likme ir 54,20% un kopējā atmaksājamā summa ir 376,44 EUR. Šis piemērs ir balstīts uz pieņēmumu, ka aizdevums tiek atmaksāts 12 maksājumos pēc anuitātes metodes, ievērojot līguma noteikumus. Maksimālā gada procentu likme — 54,20%. Pie mums viss notiek ātri — lēmumu par aizdevuma piešķiršanu uzzināsi jau pāris minūšu laikā, bet naudu varēsi saņemt 15 minūšu laikā. Izvēlies savas vīzijas īstenošanai nepieciešamo summu, ērtāko maksājuma datumu un atmaksas termiņu līdz pat 7 gadiem!

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Page last edited: 04.11.2026

Banknote website

Banknote – consumer loans with no hidden fees!

Banknote is a Latvian lender that issues consumer loans in cash: the money can be collected at the company’s branches in 39 towns across Latvia. According to the company, it is the only licensed non-bank financial service provider in Latvia offering all the everyday financial services people need in one place. The loan amount is 50 to 10,000 EUR, the term is 12 to 84 months and the rate ranges from 25.30% to 54.20% per year. The application requires your name, surname, personal code, phone number, email address, and monthly income and expenses. Once the loan is approved, the client signs a paper contract at the nearest branch and receives the loan in cash, and it can be repaid in cash or by bank transfer. No collateral or guarantor is needed; residents of Latvia aged 18 to 80 can apply.

Phone: +371 66116688
Email: info@banknote.lv
Website: banknote.lv

Monthly income and expenses are needed in the application so that the lender can assess creditworthiness: by law, it must make sure that after all essential spending the borrower still has enough money left for the payment. If the loan is repaid in cash at a branch, it is worth taking and keeping a receipt (kvīts) each time – it serves as proof of payment in case of a dispute. With a term of 12 months or longer, the monthly payment is lower, but interest accrues for longer, so options are easier to compare by the total amount repayable. Even when arranging a loan at a branch from age 18, you will need a valid identity document, and the personal code in the application must match the details in that document.

Why does Banknote issue loans in cash?

Banknote wants to meet each client in person before issuing a loan, which is why loans are issued at a branch. For the convenience and security of both parties, the contract is concluded on paper. In addition, many clients themselves prefer to receive and repay the loan in cash, while some receive the money in cash and repay it by bank transfer.

What do I need to get a consumer loan?

The borrower must be a resident of Latvia aged 18 to 80. When receiving the loan, you will need an identity document: a passport, an ID card or a driving licence issued by the Road Traffic Safety Directorate (CSDD).

Where can I collect an approved loan?

Once the loan has been approved, go to the nearest Banknote branch – there the client signs the contract and receives the loan in cash. The company has branches in 39 towns across Latvia.

Can a monthly payment be deferred?

If the next payment cannot be made on time, it can be deferred by paying a fee equal to the interest for that month. Such a deferral does not reduce the principal; it only postpones the payment, so it is best used only in case of temporary difficulties and after calculating how it will affect the total amount repayable.