Latvijas Kredits Centrs review

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

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Our verdict

Latvijas Kredits Centrs is a Latvian broker that suits borrowers with thin credit files who can show official income or offer collateral, and it opens its rate band at 5.8% to 36%. Early repayment is free and the property product carries no product fee, so cost control sits with the borrower.

Key facts

Best for
Borrowers with poor credit who can show official income or collateral, and Latvian property buyers.
APR
5.8% to 36% (Source, checked September 26, 2026)
Loan amount
€1,000 to €25,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Application review in 20 minutes, free (Source, checked September 26, 2026)
Representative example
5000 EUR over 36 months at 5.8%, total 5459.65 EUR, GPL (APR) 10.07% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Official income or collateral security; passport or ID card plus proof of official income; monthly payment not more than 1/3 of income (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Secured, Business, Student (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202) (Source, checked September 26, 2026)
Headquarters
Latvia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lkcentrs.lv

Mortgages

Initial rate
2.9% (Source, checked September 26, 2026)
Fixed period
0.5 to 30 years (Source, checked September 26, 2026)
Maximum loan to value
70% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Home-equity, Purchase (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202) (Source, checked September 26, 2026)
Headquarters
Latvia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Free early repayment, so clearing a balance ahead of schedule costs nothing extra.
  • Broad range: personal, debt consolidation and car, all arranged through the same application.
  • Official income or collateral security counts, so eligibility rests on evidence rather than a score alone.
  • Quick decisions: Application review in 20 minutes, free.

Cons

  • A hard credit check (hard) on every application, with poor credit needed to qualify.
  • A broker, not the lender: broker, and direct lenders are the norm in this group, so the rate is set elsewhere.
  • Borrowing starts at €1,000 to €25,000, well above the smallest personal loans here.

Ready to try Latvijas Kredits Centrs?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with poor credit who can show official income or put up collateral.
  • Latvian property buyers: 2.9% initial rate, 70% loan to value, no product fee (€0).
  • People who plan to repay early, since free early repayment applies.

Who should look elsewhere

  • Anyone chasing free borrowing: Cashspace ES lists 0%.
  • Borrowers who want a tighter band: Monzo Flex runs 10% to 23%.

Who runs it

Latvijas Kredits Centrs operates as a broker, arranging lending rather than funding it. The contracting party is SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202), headquartered in Latvia. Support runs on email, phone and help centre. It holds an entry on the Consumer Protection Centre register of credit intermediaries and credit intermediary representatives: KS-01.

How Latvijas Kredits Centrs compares

Where Latvijas Kredits Centrs is available

Available
Latvia
Licence in Latvia
Patērētāju aizsardzības centrs (Consumer Protection Centre) register of credit intermediaries and credit intermediary representatives (KS-01), checked September 26, 2026

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

Frequently asked questions

What can I borrow for with Latvijas Kredits Centrs?+

It is a broker, so the menu is wide: personal, debt consolidation and car are all handled, and home improvement is the named use. The personal product runs €1,000 to €25,000, and the property loan is written for home equity and purchase.

How much can I borrow and over what term?+

Personal loans run €1,000 to €25,000, with terms running 3 to 120. For property, borrowing stops at 70% loan to value, where the group median is 90%, and the fixed period runs 0.5 to 30.

What rate would I pay?+

The personal product quotes 5.8% to 36%, and the price depends on your file and the lender the broker places you with. The property product starts at 2.9%. The published representative example repays a mid-sized loan over a few years, with the total repayable a little above the amount borrowed.

Are there any fees?+

No product fee is listed for the property loan (€0), and free early repayment means no exit charge if you settle ahead of schedule. The published funding time is Application review in 20 minutes, free, so the review itself costs nothing either.

What credit check and credit history do I need?+

The check is a hard one, so applying leaves a full search on the file. The credit needed is poor, the level most borrowers in the bad credit lending group bring with them. Collateral or steady official income can stand in for a strong score.

Can I repay a loan early?+

Free early repayment is offered, so settling before 3 to 120 runs out carries no exit charge. That makes a shorter plan cheaper than borrowing for the longest term and paying every instalment in full.

Who am I dealing with and is it regulated?+

The contract is with SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202), based in Latvia, and the company works as a broker rather than the lender. It holds an entry on the Consumer Protection Centre register of credit intermediaries and credit intermediary representatives: KS-01.

How do I get help once I have applied?+

Support runs on email, phone and help centre, so email, phone and a help centre are all open routes. The help centre also sets out eligibility: official income or collateral security, a passport or ID card with proof of income, and monthly payments kept well inside income.

Sources

  • ptac.gov.lv/lv/content/kreditu-starpnieku-un-kreditu-star... checked September 26, 2026

    Backs: Licences

  • lkcentrs.lv checked September 26, 2026

    Backs: Support channels

    “Phone number: 80707070; E-mail: INFO@LKCENTRS.LV; QUESTIONS AND ANSWERS”

  • lkcentrs.lv/lv/about checked September 26, 2026

    Backs: Lender type, Loan types

    “SIA Latvijas Kredītu Centrs is registered in the register of credit intermediaries and credit intermediary representatives with reg. No. KS-01”

  • lkcentrs.lv/lv/agreement checked September 26, 2026

    Backs: Headquarters, Legal entity

    “SIA "LATVIJAS KREDĪTU CENTRS", Reg. No. 40103664202, address: Dzirnavu iela 121, Riga, LV-1021”

  • lkcentrs.lv/lv/faq checked September 26, 2026

    Backs: Credit check, Free early repayment

    “The interest rate depends on your credit history and income”

  • lkcentrs.lv/lv/visi-krediti/kredits-pret-kilu checked September 26, 2026

    Backs: Maximum loan to value, Fixed period, Initial rate, Product fee, Purpose

    “Aizdevuma summa līdz 70% tiek izskatīts individuāli; No 1000 eiro un līdz 70% no ķīlas vērtības”

  • lkcentrs.lv/lv/visi-krediti/paterina-kredits checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Funding time, Representative example, Term, Use cases

    “Consumer loan (Patēriņa kredīts) financing amount from 1 000 - 25 000 EUR”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Latvijas Kredits Centrs

Borrowers with poor credit who can show official income or collateral, and Latvian property buyers.

8.8/10See alternatives

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