FinBee review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FinBee is a Lithuanian direct lender for borrowers who want fixed rate borrowing, a decision within minutes and no fee for finishing early. Loans run €300 to €25,000 over terms of 12 to 60 at a fixed rate, aimed at home improvement or debt consolidation work.

Key facts

Best for
Fixed rate loans with fast decisions and free early repayment.
APR
17.76% (Source, checked September 26, 2026)
Loan amount
€300 to €25,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
1.50% - 9.05% of the loan amount plus a one-off EUR 20 creditworthiness assessment fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Decision usually within 15 minutes; loan paid no later than 1 business day after signing the contract (Source, checked September 26, 2026)
Representative example
Consumer loan Medus: borrow EUR 1000 for 5 years, EUR 940 received, fixed 10% annual rate, 4% one-off contract fee, EUR 20 credit assessment fee, 0.37% monthly admin fee, total cost of credit 17.76%, EUR 23.09 per month, EUR 1385.23 total repayable (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Applicant must be of age, provide accurate application data, have stable official income and an acceptable credit history and overall financial situation (Source, checked September 26, 2026)
Origination fee (%)
1.5% to 9.05% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
UAB "Finansu bite" (Finansų bitė), company code 304051511 (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
finbee.lt

Apps and profiles

Elsewhere
youtube.com

Pros and cons

Pros

  • Every loan is fixed rate priced, so the payment does not move with the market.
  • Free early repayment, so finishing ahead of schedule costs nothing extra.
  • A decision usually within minutes, with the money paid out soon after the contract is signed.
  • Support runs on phone, email and help centre, covering phone, email and a help centre.

Cons

  • An APR of 17.76% sits above the site median of 12%.
  • A contract fee of 1.5% to 9.05% of the amount borrowed, on top of a one-off credit assessment fee.
  • The credit check is hard, and eligibility wants stable official income and an acceptable credit history.
FinBee

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Who it suits

  • Borrowers in LT with stable official income and an acceptable credit history.
  • Anyone planning to finish early, since free early repayment costs nothing extra.
  • People after a car loan or a debt consolidation loan, both offered under personal, debt consolidation and car.

Who should look elsewhere

  • Applicants with an uneven income or a weak credit file, since eligibility requires stable official income.
  • Borrowers who want a rate to weigh against FinBee, since Monzo Flex lists 10% to 23% and Cashspace lists PHP 12 to PHP 36.
  • Anyone wanting a soft or no credit check, since the check here is hard.

How your money is protected

FinBee lends as a direct lender, and it is supervised in Lithuania by the Bank of Lithuania as a consumer credit lender. The money comes from the lender itself rather than a third party, and the representative example sets out the fixed rate, the contract fee, the credit assessment fee and a monthly admin fee together in the 17.76% total cost of credit.

The company behind it

FinBee is operated by UAB "Finansu bite" (Finansų bitė), company code 304051511, based in Lithuania and trading since 2015. The named legal entity is the party on the loan contract, so the paperwork names the company that holds the repayments. Customer questions go to phone, email and help centre, with phone, email and a help centre listed.

How FinBee compares

Where FinBee is available

Available
Lithuania
Licence in Lithuania
Bank of Lithuania (consumer credit lender and peer-to-peer lending platform operator for UAB "Finansu bite"), checked September 26, 2026
Licence in Lithuania
Bank of Lithuania (crowdfunding platform operator for UAB "Finansu bite verslui"), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does FinBee charge on top of the interest?+

The headline APR of 17.76% does not cover everything. A contract fee of 1.5% to 9.05% of the amount borrowed is added, together with a one-off credit assessment fee and a monthly admin fee. The representative example on the consumer loan rolls all of these into one total cost of credit.

Is the rate fixed or variable?+

Every FinBee loan is priced at a fixed rate, and the product range is listed as fixed rate. The payment you sign up for therefore stays put for the life of the loan rather than rising and falling with a base rate, which suits people who budget from a fixed monthly figure.

How quickly do I get a decision and the money?+

Because FinBee is a direct lender, the decision comes from the lender itself rather than from a panel of other banks, and it usually arrives within minutes of the application. The loan is then paid out shortly after the contract is signed, so approval and funding sit close together.

What credit check will FinBee run?+

The check is hard, so applying puts a full search on your file. Eligibility also asks for adults who give accurate application data, hold stable official income and have an acceptable credit history and overall financial situation, so thin files tend to be turned away at the application stage.

Can I repay the loan early without a charge?+

Free early repayment applies, so clearing the balance before the 12 to 60 term ends carries nothing extra. The fixed rate rate is agreed for the whole term, so paying sooner simply removes the interest and fees attached to the part of the term you no longer use.

What can I use a FinBee loan for?+

FinBee offers personal, debt consolidation and car loans, and the consumer loan is aimed at home improvement. Borrowing of €300 to €25,000 covers a renovation, a car or a consolidation of existing debts, with repayments spread over 12 to 60.

Who regulates FinBee?+

The Bank of Lithuania supervises UAB "Finansu bite" (Finansų bitė), company code 304051511 in Lithuania, both as a consumer credit lender and as a peer-to-peer lending platform operator. The same regulator covers the loans and the platform side, and the lending entity is registered in the country it lends in.

Sources

  • finbee.lt/duk-privatiems checked September 26, 2026

    Backs: Founded, Funding time, Lender type, Support channels

    “Finbee - tai tarpusavio skolinimo ir sutelktinio finansavimo platforma, įkurta 2015 metais.”

  • finbee.lt/en checked September 26, 2026

    Backs: Headquarters, Loan types

    “UAB "Finansų bitė" | Company code: 304051511 | Address: Vilniaus st. 4-10, Vilnius, Lithuania | Postal code: LT-01102”

  • finbee.lt/kontaktai checked September 26, 2026

    Backs: Legal entity

    “Finansų bitė, UAB Įmonės kodas: 304051511 Adresas: Vilniaus g. 4-10, Vilnius”

  • finbee.lt/paslaugu-ikainiai checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%), Rate type

    “Sutarties sudarymo mokestis nuo 1,50% iki 9,05% nuo paskolintos sumos; Kreditingumo vertinimas 20 Eur”

  • finbee.lt/vartojimo-paskola checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Pricing model, Representative example, Term, Use cases

    “Galite pasiskolinti nuo 300 iki 25 000 Eur”

  • lb.lt/lt/finansu-rinku-dalyviai checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

FinBee

FinBee

Fixed rate loans with fast decisions and free early repayment.

8.9/10Visit

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