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FREE LOANS | FAST LOANS | LOANS FROM AGE 18 | CAR LOANS | MORTGAGE LOANS | CONSUMER | SHORT-TERM | LONG-TERM
Term: 3–120 months
Interest: up to 55.5% APR
Processing time: 10 min.
Registration: 0.01 EUR
Piemērs: 1000.00 EUR — izsniegtā Kredītlīnijas summa. Minimālā ikmēneša maksājuma apmērs Kredītlīnijas summas un procentu samaksai ir ne mazāks kā 62.45 EUR. Kopējā summa, kas jums būs jāmaksā 2663.10 EUR. Procenti: 1663.10 EUR. Atmaksas termiņš: 83 mēneši. Norādītā summa ir aprēķināta, pieņemot, ka Kredītlīnijas summa tiek izņemta nekavējoties un pilnībā un tiek atmaksāta, ik mēnesi veicot minimālo maksājumu. Aizņēmuma likme 43.8 % gadā. Gada procentu likme (GPL) 54.74 %. Piesakies un saņem naudu dažu minūšu laikā – vienkārši un ērti bez papildus komisijas!
Page last edited: 04.11.2026
Bino – credit line with a minimum payment!
Bino is a non-bank lender offering a credit line with a minimum monthly payment. The amount is 50 to 10,000 EUR, the term is 3 to 120 months and the APR is up to 55.5%; no collateral, guarantor or employment certificate is needed. A mobile phone and an account with a Latvian bank are enough to apply, and after the application has been reviewed and approved, the money arrives within 10 minutes. Only one loan can be active at a time, but an additional amount can be added to it. According to the lender, repayment can be deferred by paying an extension fee that depends on the loan amount. The loan is available to permanent residents of Latvia aged 20 to 75 with no overdue payments.
Phone: +371 80205030
Email: info@bino.lv
Website: bino.lv
With a minimum-payment credit line, it is important to understand that this payment mostly covers interest: if you pay only the minimum, the debt shrinks slowly and the overpayment over a few years can exceed the loan amount itself. Paying more than the minimum is therefore the simplest way to reduce the total cost. Extending the repayment period also costs money: a deferral fee does not reduce the principal, it only moves the payment date. Non-bank lenders usually achieve short review times through automated data assessment, so even a mistake in the application form can lead to a refusal.
Can I have several loans at the same time?
No, a client can have only one loan at a time. However, Bino offers the option of receiving an additional amount on top of the existing loan – whether it is available and how much can be checked in your user profile on the Bino website.
What do I need to get a loan?
The applicant must live permanently in Latvia, be between 20 and 75 years old, and have an account with a Latvian bank and a valid mobile phone number. In addition, they must have no overdue payments or breached debt obligations towards other lenders.
What documents are required?
No documents need to be submitted. A mobile phone and a bank account in Latvia are all that is needed to apply – Bino does not request income certificates, passport copies or other paperwork.
Can I borrow if I already have a loan from a bank or another lender?
Yes, as long as there have been no delays in loan repayments and the applicant is not on a list of debtors. Having a loan with a bank or another lender is not in itself an obstacle to applying to Bino.
Why was my loan refused?
A refusal is possible in several cases: if the applicant is listed in a debtor register, has not yet repaid a previous Bino loan, entered incorrect data during registration, or is younger than 20 or older than 75. In any of these cases the application cannot be approved.
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