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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: 8.9–29.9% per year
Processing time: 15 min.
Registration: 0.01 EUR
Piemērs: summa 4200 EUR, termiņš 72 mēneši, līguma noformēšanas maksa 336 EUR, gada procentu likme (GPL) 20,86%, kopējā summa, kas jāatmaksā 7440,96 EUR, ikmēneša maksājums 98,68 EUR. Patēriņa kredīta, kredītu apvienošanas, kredītlīnijas termiņš no 3 līdz 84 mēnešiem, kredīta summa no 500 EUR līdz 25000 EUR un gada procentu likme 12% — 29,9%. Ātrā kredīta termiņš no 3 līdz 60 mēnešiem, kredīta summa no 100 EUR līdz 10000 EUR un gada procentu likme 12% — 29,9%. Auto kredīta termiņš no 12 līdz 84 mēnešiem, kredīta summa no 1000 EUR līdz 15000 EUR un gada procentu likme 8,9% — 19,9%.
Page last edited: 06.11.2026
SosCredit – no guarantor or collateral, up to 25,000 EUR!
SosCredit is a Latvian lender offering a credit line: the client is given an available limit and chooses the size of the monthly payment, and thus the repayment schedule, themselves. Interest is charged only on the amount actually used, and with each payment the available part of the limit is restored, so money can be withdrawn again. The overall limit is 100 to 25,000 EUR, the term is 3 to 84 months and rates range from 8.9% to 29.9% per year; for new clients the limit is up to 5,000 EUR, and no commission fee may be charged for the first 60 days. No collateral or guarantor is needed, a decision is made within 15 minutes, and the money is transferred to an account at any Latvian bank. The credit line is granted to clients with a good credit history aged 18 to 75.
Phone: –
Email: info@soscredit.lv
Website: soscredit.lv
A credit line is convenient for irregular expenses – for example, car or household appliance repairs – when the exact amount is not known in advance. For a large purchase with a clear price, such as a car, a car loan or leasing with a fixed schedule is usually more cost-effective: the rate tends to be lower and the repayment period is clearly limited. A fee-free period does not always mean there is no interest: the commission fee and interest are separate parts of the cost, so it is important to check exactly what is waived. When choosing your own monthly payment, it is worth setting it with some margin so that the debt does not drag on for years.
Who can get a credit line?
A credit line is available to people aged 18 to 75 who are creditworthy and have a bank account with a Latvian credit institution and a mobile phone. To get one, fill out the application form – new clients also need to make a registration payment of 0.01 EUR – and wait for the decision. It is communicated by a customer service specialist, as well as by SMS or email.
Is collateral or a guarantor required?
No, neither a guarantor nor collateral is required to obtain a SosCredit credit line.
What does a commission-free credit line mean?
New clients may be offered the first 60 days of using the credit line without a commission fee. This means no commission is charged during that period; the terms that apply afterwards are set out in the contract.
What if I cannot pay on time?
The credit line must be repaid according to the chosen schedule: if the schedule is not followed, penalty interest is charged. So in the event of any payment delay, it is best to contact SosCredit customer service straight away and discuss the situation, rather than waiting for the debt to grow.
Why might an application be declined?
An application for a credit line may be declined if the information provided is incorrect or entered incorrectly, or if the applicant has outstanding debt obligations.
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