Paskolu Klubas review

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

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Our verdict

Paskolu Klubas suits Lithuanian salaried workers who need money moved fast and will not need more than €100 to €35,000. The catch is cost: a mediation fee of 4.9% rides on top of an APR of 12.5%, and free early repayment only helps if you clear the balance early.

Key facts

Best for
Lithuanian salaried borrowers who want a fixed rate loan settled the same day.
APR
12.5% (Source, checked September 26, 2026)
Loan amount
€100 to €35,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
Mediation fee from 4.9% of the loan, included in monthly instalments; contract administration fee 0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Consumer loan money received in less than 10 minutes (Source, checked September 26, 2026)
Representative example
Borrowing 1000 EUR over 24 months (consumer loan): fixed annual rate 14%, BVKKMN 22.34%, mediation fee 96.79 EUR, total interest 152.31 EUR, total repayable 1249.10 EUR, monthly instalment 52.05 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older, officially employed with stable income, existing financial commitments not exceeding 40% of monthly income, clean credit history; currently only persons receiving official salary from a Lithuanian employer (Source, checked September 26, 2026)
Origination fee (%)
4.9% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Business, Car, Student, Guarantor (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
NEO Finance, AB (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
paskoluklubas.lt

Apps and profiles

Elsewhere
LinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • Speed is the standout: Consumer loan money received in less than 10 minutes.
  • The rate is fixed on a fixed rate basis, so instalments do not shift with the market.
  • Free early repayment applies.
  • Support runs through phone, email and help centre.

Cons

  • A mediation fee of 4.9% of the loan rides inside the instalments, and the effective rate on the published consumer loan example sits above the 12.5% headline.
  • A hard credit check is part of the application, so your credit history counts.
  • Lending currently goes only to people paid an official salary by a Lithuanian employer, with a good credit history expected.

Ready to try Paskolu Klubas?

Scored 8.5 / 10 by BorrowCue.

See alternatives

Who it suits

  • Salaried employees in Lithuania with a clean credit record who need money the same day.
  • Borrowers who will clear the loan early, since free early repayment applies.
  • People who prefer one fixed rate to a band, since Monzo Flex quotes 10% to 23%.

Who should look elsewhere

  • Anyone not paid an official salary by a Lithuanian employer, since that group alone is currently served, and Cashspace quotes in pesos rather than euro.
  • Borrowers after a lower rate, since Cashspace ES lists 0% while Paskolu Klubas quotes 12.5% with a mediation fee alongside.

Safety and regulation

Paskolu Klubas runs as a marketplace rather than a lender, so terms come from the provider it matches you with. Its published consumer loan example is the clearest read on cost: the effective rate on that example sits above the 12.5% headline once the mediation fee is folded into the instalments. The Bank of Lithuania publishes a public list of consumer credit providers and crowdfunding platform operators, the registers to check a marketplace offer against.

Who runs it

Legal responsibility sits with NEO Finance, AB, based in Lithuania. The brand is a marketplace, so the service you apply through and the legal entity behind it are one and the same, while the credit itself sits with a matched provider. Day to day contact runs through phone, email and help centre, so phone, email, help centre and chat are all listed routes.

How Paskolu Klubas compares

Where Paskolu Klubas is available

Available
Lithuania
Licence in Lithuania
Bank of Lithuania (Lietuvos bankas) - public list of consumer credit providers and public list of crowdfunding platform operators, checked September 26, 2026

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

Frequently asked questions

What rate does Paskolu Klubas charge?+

The headline rate is 12.5%, and the rate type is fixed on a fixed rate basis, so the number does not move with the market. Lending runs €100 to €35,000. The published consumer loan example is the honest yardstick: its effective rate sits above the headline once the mediation fee is counted.

What fees are charged on top of the rate?+

A mediation fee of 4.9% of the loan applies and is spread across the monthly instalments rather than taken up front, while contract administration is free. That fee is why the 12.5% headline understates the real cost and why paying early carries extra value.

How much can I borrow and over what term?+

Amounts run €100 to €35,000, and terms run 1 to 120. The range covers a small top-up for a home improvement job as much as a larger consolidation. home improvement is the stated use, and personal, debt consolidation and credit line shows the wider set this marketplace places.

How quickly does the money arrive?+

Fast, on the brand's own figures: Consumer loan money received in less than 10 minutes, and same day funding is listed as a feature. Speed depends on meeting the eligibility conditions, since only people receiving an official salary from a Lithuanian employer are served, and a hard credit check is part of the route.

Can I repay the loan early?+

Free early repayment is offered, and it matters more than usual here because the mediation fee sits inside the monthly instalments instead of being billed as a separate sum. Clearing the balance early shortens the interest run, and the rate stays fixed at 12.5% throughout.

Who can apply?+

Eligibility is narrow: adults who are officially employed with a stable income, keep existing financial commitments within a set share of monthly income, and hold a clean credit history. Lending today goes only to people receiving an official salary from a Lithuanian employer, and a good credit history is expected.

Who do I deal with and how do I get help?+

The brand is a marketplace, so the loan itself sits with the matched provider rather than with the platform. The Bank of Lithuania publishes a public list of consumer credit providers and crowdfunding platform operators, which is where a lender can be checked. Support runs through phone, email and help centre and the legal entity behind the service is NEO Finance, AB.

Sources

  • paskoluklubas.lt/puslapis/5/vartojimo-kreditu-gaveju-kred... checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type, Licences

    “Kliento ne mažiau kaip 6 paskutinių mėnesių kredito istoriją ... teikia UAB „Creditinfo Lietuva“; patikrinti GR ir NASIS registruose”

  • paskoluklubas.lt/vartojamoji-paskola checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

    “Paskolos suma Paskolų Klube gali būti nuo 100 iki 35 000 EUR (vartojamoji paskola)”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Paskolu Klubas

Lithuanian salaried borrowers who want a fixed rate loan settled the same day.

8.5/10See alternatives

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