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VitaCredit

16.05.2022 | Comments: 0

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VitaCredit

Amount: up to 140,000 EUR
Term: up to 240 months
Interest: from 1.25% per month

Age: 18–65 years
Processing time: 2 hours
Registration: –

Nosacījumi: VitaCredit piedāvā aizdevumus pret nekustamā īpašuma ķīlu un auto līzingu līdz 140 000 EUR uz termiņu līdz 20 gadiem (240 mēnešiem), procentu likme sākot no 1,25% mēnesī. Pieteikums tiek izskatīts divu stundu laikā, pēc tam konsultants vienojas par tikšanos līguma parakstīšanai. Auto līzinga gadījumā automašīna CSDD tiek pārreģistrēta uz SIA „Vita Credit”, bet klients tiek ierakstīts reģistrācijas apliecībā kā turētājs. Papildu izmaksas – noformēšanas komisija, reģistrācija CSDD un, ja nepieciešams, KASKO. Pirmstermiņa atmaksa iespējama bez soda sankcijām. Pakalpojums pieejams personām vecumā no 18 līdz 65 gadiem ar regulāriem ienākumiem, kā arī juridiskām personām.

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Page last edited: 08.11.2026

VitaCredit website

VitaCredit – loans secured by real estate and car leasing!

VitaCredit is a Latvian company that grants loans secured by real estate and offers car leasing to private individuals and legal entities. The amount is up to 140,000 EUR, the term is up to 20 years and rates start from 1.25% per month. An application is reviewed within two hours, after which a VitaCredit consultant arranges a meeting at a convenient time; the client chooses a suitable monthly payment scheme, and early repayment is possible without penalties. Car leasing requires a regular, verifiable income or a guarantor with income, as well as a driving licence; the car is re-registered at the CSDD in the name of SIA “Vita Credit”, with the client entered in the registration certificate as the holder. Income is confirmed by a VSAA certificate, a 6-month bank statement or an employer’s certificate. Persons aged 18 to 65 can apply.

Phone: +371 80009300
Email: ni@vitacredit.lv
Website: vitacredit.lv

When a car is re-registered in the leasing company’s name for the duration of the lease, the company is its legal owner until full repayment, while the client is only the holder. The car therefore cannot be sold or re-registered without the company’s consent, long trips abroad usually also need approval, and the car may be repossessed if payments stop. A guarantor, who can be used instead of your own income, is equally liable under the contract – if the borrower stops paying, the debt will be recovered from the guarantor. A rate from 1.25% per month corresponds to about 15% per year, excluding the arrangement fee and CSDD registration costs.

How is leasing arranged?

The application is submitted online on the VitaCredit website. After it is reviewed, a leasing specialist confirms the lease, calculates the financing amount and monthly payment, provides all the information required for the consumer and arranges a meeting to sign the contract and inspect the car. At the meeting the contract is signed and the arrangement fee is paid (it can be included in the financing amount); the client then re-registers the car at the CSDD in the name of SIA “Vita Credit” under a power of attorney and is entered in the registration certificate as the holder. If needed, a KASKO policy is arranged, after which the money is transferred to the account. Additional costs are the arrangement fee (if not included in the financing), CSDD registration and KASKO.

Is proof of income required?

Yes, a VSAA certificate, a bank-certified account statement for the last 6 months or an employer’s certificate is required. If the financing amount reaches or exceeds 28,457 EUR, an income statement from the State Revenue Service (VID) is also needed.