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FREE LOANS | FAST LOANS | LOANS FROM AGE 18 | CAR LOANS | MORTGAGE LOANS | CONSUMER | SHORT-TERM | LONG-TERM
Term: 3–84 months
Interest: 21.59–53.27% APR
Processing time: 30 min.
Registration: 0.01 EUR
Piemērs: noformējot 15000€ uz 60 mēn., pirmais maksājums ir ar 0% likmi 275€, no 2. mēn. ikmēneša maksājums ar atlaidi 405.85€. Kopā 24220.27€, GPL 22.66%, aizņēmuma likme gadā 16.80%. Maksājums bez % nozīmē, ka par noteikto termiņu procenti netiek aprēķināti kā tādi. Procentu likmi neietekmē EURIBOR likmes izmaiņas, ikmēneša maksājums paliek nemainīgs visu līguma periodu. Kredīta izskatīšana 30 minūšu laikā. Online noformēšana, neizejot no mājām un vairāk nekā 20 kreditēšanas centru visā Latvijā.
Page last edited: 07.11.2026
InCredit – we create new opportunities!
InCredit is the Latvian leasing company SIA InCREDIT GROUP, which has been providing financial services to consumers since September 2010 under a licence issued by the Consumer Rights Protection Centre (PTAC). The company offers consumer loans, loans for buying a car, repairs and travel, instalment purchases of goods and services, and refinancing. The loan amount is 100 to 15,000 EUR, the term is 3 to 84 months and the APR ranges from 21.59% to 53.27%; the rate is fixed and does not depend on EURIBOR, so the monthly payment stays the same throughout the contract. According to the lender’s example, the first payment is calculated at a 0% rate. Applications are reviewed in 30 minutes, and a loan can be arranged online or at one of more than 20 lending centres across Latvia. Persons aged 21 to 70 can apply.
Phone: +371 67199100
Email: info@incredit.lv
Website: incredit.lv
Buying in instalments (pirkums uz nomaksu) directly in a shop is just as much a consumer loan: it goes into your credit history and is taken into account in future applications. A fixed rate not linked to EURIBOR gives a predictable payment, but over a long term it usually costs more than a variable one. A first payment at 0% hardly changes the total: in the InCredit example of 15,000 EUR over 60 months, the overpayment is around 9,220 EUR, while the saving in the first month is around 130 EUR. Foreigners with a residence permit should check in advance that it does not expire before the end of the loan term and ask the lender how this is taken into account.
Why might a loan be refused?
A loan is most often refused if the applicant provided false information about themselves, their credit history does not meet the company’s requirements, they are younger than 21 or older than 70, or their income is insufficient or absent.
Can I get a loan with a foreign passport?
Yes, if the applicant has a valid residence permit issued by the Office of Citizenship and Migration Affairs (PMLP) with the right to work in Latvia.
Can I get a loan while staying or working abroad?
No, InCredit currently issues loans only to those who are located and working in Latvia after submitting the application.
Can I get a loan if I already have an unpaid loan?
When reviewing an application, the applicant’s current financial situation is taken into account, including other loans. InCredit grants a loan only if the client is able to meet the obligations, so anyone currently having difficulty with payments should not take out a new loan.
What happens if obligations are not met?
In case of late payments, a contractual penalty and late-payment interest are charged. If obligations are not met, debt collection may begin and the claim may be transferred to third parties; this damages the borrower’s credit history and credit rating and may lead to refusals in the future.
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