LatKredits

Page last edited: 04.11.2026

LatKredits – quality loan services!

LatKredits is a Latvian financial solutions company offering all types of loans, loan consolidation, real estate buyout and other additional services. Rates start from 6.9% per year, and the loan term can be up to 120 months. Without collateral, you can borrow from 500 to 15,000 EUR for up to 72 months, while car leasing and mortgage loans have no amount limit. The services also include loans for people working abroad and loans for businesses. The team consists of specialists experienced in lending and in real estate purchase and sale transactions. The company’s aim is to give residents of Latvia aged 18 to 75 the opportunity to arrange any type of loan in one place, and its services are available throughout the country. Applications can be submitted on the LatKredits website or at the company’s office.

Phone: +371 29027027
Email: info@latkredits.lv
Website: latkredits.lv

In Latvia, mortgage loans are most often issued at a variable rate made up of the bank’s fixed margin plus the 6-month EURIBOR, so the monthly payment can change with the market. Buyers usually pay part of the property price themselves, and for families with children and young professionals an ALTUM guarantee can help reduce the down payment. Anyone buying a used car from a private seller should check in advance whether the lender finances such a deal, as the terms may differ. A short-term loan suits smaller expenses that can be repaid within a few months, while lenders are prepared to finance large purchases for up to 10 years. You can apply from age 18, but the upper age limit differs between lenders and is often counted at the end of the contract.

How do I apply for a loan?

The path to a loan starts with the application: based on it, LatKredits specialists assess the chances of getting a loan and select an offer suited to that particular client. Without an application, creditworthiness and terms cannot be assessed, so it is needed in every case. It can be filled out on the company’s website using the form on the page, or in person at the LatKredits office.

How long does the review take?

Depending on the type of loan, the review takes from 10 minutes to 2 days. Once the application has been reviewed and an offer prepared, a company specialist contacts the client.

Where is the contract signed?

If the offer and loan terms suit the client, the contract is signed at the LatKredits office, which the client needs to visit in person for this purpose. A company specialist explains in advance how the signing process works.

When will the money reach my account?

How quickly the money arrives depends on the type of loan chosen. For example, with a consumer loan the money reaches the client’s account within 20 minutes of signing the contract. Timeframes for other types of loans, such as car leasing or mortgages, can be checked in advance with a LatKredits specialist.

What happens if a payment is late?

For a late payment the lender usually charges a contractual penalty (līgumsods), and information about the arrears may be passed to credit registers, making it harder to get loans in the future. If the delay is long, the debt may be handed over to a debt collection company. If you cannot pay on time, it is better to contact the lender in advance and agree on a change to the schedule.