Consumer credit starting at 22%

E-Money offers cash collateral to individuals without collateral. The loan amount can range from 200 to 5000 euros and is repayable from 3 months to 5 years. To apply for a loan, you need a mobile phone, e-mail address and an account with any bank in Latvia.



Evaluate your repayment options and be responsible! Don’t borrow if you don’t need it! Before borrowing, read the terms of the agreement and contact the lender if you have any questions.

Right of withdrawal

The Borrower may exercise the right of withdrawal and withdraw from the Credit Agreement within 14 (fourteen) days, see here for more information.

Renewal Policy Information


Extending the loan repayment term is not possible for the borrower. In the event of default or improper performance by the borrower, the lender shall be entitled to assign the right to recover late payments to third parties.

If the borrower delays the due dates specified in the repayment schedule, the lender shall have the right to unilaterally withdraw from the contract and to promptly request the borrower to repay the loan, penalty, commission, interest, as well as any losses incurred by the lender.

Information on penalties


In the event of default, the debt recovery process may be initiated, the right of claim transferred to third parties, adversely affecting the Borrower’s credit history and possibly the credit rating, which may result in the service provider being refused. In the case of late payments, a penalty of 1% of the total amount of late payments for each day of delay shall be calculated.

Example of a GPL: When borrowing € 3,000 for a period of 36 months, the annual borrowing rate is 61.04%, the monthly payment is € 183.33, and the total amount repayable at the end of the period is € 6599.88.

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