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FREE LOANS | FAST LOANS | LOANS FROM AGE 18 | CAR LOANS | MORTGAGE LOANS | CONSUMER | SHORT-TERM | LONG-TERM
Term: 2–60 months
Interest: 58.53% APR
Processing time: 15 min.
Registration: 0.01 EUR
Piemērs: Ja tiek izņemta summa € 1.400,00 apmērā, GPL ir 58.53%, procentu likme gadā ir fiksēta 46.98% un kopējā atmaksājamā summa ir € 1.756,23. Šis piemērs ir balstīts uz pieņēmumu, ka kredīts tiek atmaksāts 12 maksājumos. Aizdevumam nav citu papildu procentu vai komisiju. Piemērs balstīts uz pieņēmumu, ka kredīts tiek atdots laikā. Kredīta atvēršanas maksa un naudas izņemšanas izmaksas 0 €. Elastīgs atmaksas datums. Naudas saņemšana uzreiz bez komisijas. Minimālais atmaksas termiņš 61 dienas. Maksimālais atmaksas termiņš ir 60 mēneši. Kredītlīnija ar elastīgiem noteikumiem.
Page last edited: 04.11.2026
ZeltaKredits – flexible credit product.
ZeltaKredits is a flexible credit product in the form of a credit line: the money can be used when it is needed and in the amount that is needed. The credit limit is 400 to 4,000 EUR, the term is 2 to 60 months, and interest is charged only on the part used: for example, if 300 euros have been withdrawn from a 4,000-euro limit, interest is charged only on the 300 euros. The interest rate is 0.1287% per day, and the APR is 58.53%. The debt can be repaid in full at once or in instalments; the minimum monthly payment is 5% of the amount used, including accrued interest. Once withdrawn money has been repaid, it can be drawn again within the limit on the same day without a new application or extra fees. Residents of Latvia aged 19 to 75 can apply.
Phone: –
Email: info@zeltakredits.lv
Website: zeltakredits.lv
The rate on a credit line is often given as a percentage per day and looks small, but for comparison it is better converted into an annual rate: 0.1% per day already amounts to more than 36% a year. The absence of issuance, administration or early repayment fees does not make a loan free – interest on the money used is charged in any case. By law, all costs a borrower may incur must be listed in the credit agreement, so it is worth reading it before signing, not after. Being able to withdraw money again without a new application is convenient, but it can easily turn a short-term loan into a permanent debt if you do not keep an eye on the balance.
How do I apply for a loan?
To get a loan, fill out the online application on the ZeltaKredits website: choose the desired amount within the available limit and enter the required details. If the application is approved, the money can be received the same day.
How is the loan repaid?
The client chooses the repayment method: you can repay the entire amount used at once, make a minimum monthly payment of 5% of the amount used (including accrued interest) or repay most of the debt. No fee is charged for repaying the full amount at once, and the more you pay above the minimum, the less interest will be charged overall.
How quickly will I receive the loan?
The application is reviewed within 15 minutes. If it is approved, the loan is paid out quickly – the money usually arrives within an hour.
Are there any additional costs?
No, according to the lender, ZeltaKredits has no additional costs: there is no issuance fee, administration fee or early repayment fee. All possible costs are specified in the credit agreement, so it is worth reading it carefully before signing.
Can I withdraw money again after repaying?
Yes, within the credit limit money can be drawn repeatedly without extra fees and without a new application. For example, after repaying a withdrawn 300 euros, you can receive them again on the same day.
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