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FinBee review

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

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Our verdict

FinBee is a Lithuanian direct lender built for adults with stable official income who want a fixed rate personal loan and can clear a hard credit check. Borrowing runs €300 to €25,000, and a decision usually comes within minutes, with the money paid out by the next business day.

Key facts

Best for
A fixed rate personal loan for home improvement, decided fast and paid out quickly.
APR
17.76%↗
Loan amount
€300 to €25,000↗
Term
12 to 60 months↗
Arrangement fee
1.50% - 9.05% of the loan amount plus a one-off EUR 20 creditworthiness assessment fee↗
Credit check
Hard↗
Funding time
Decision usually within 15 minutes; loan paid no later than 1 business day after signing the contract↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Applicant must be of age, provide accurate application data, have stable official income and an acceptable credit history and overall financial situation↗
Origination fee (%)
1.5% to 9.05%↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
UAB "Finansu bite" (Finansų bitė), company code 304051511↗
Headquarters
Lithuania↗
Founded
2015↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
finbee.lt

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
youtube.com

Pros and cons

Pros

  • Fixed rate borrowing, so the monthly payment does not drift
  • Free early repayment if you settle the loan early
  • Decision usually within minutes, with the loan paid out by the next business day after signing
  • Support by phone, email and a help centre

Cons

  • A hard credit check, so a weak credit history can stop the application
  • An arrangement fee of 1.5% to 9.05% of the loan amount plus a one-off creditworthiness assessment fee
  • Applicants need stable official income and an acceptable credit history
FinBee

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Lithuania with stable official income who want a personal loan at a fixed rate
  • Borrowers funding home improvement who want a clear monthly payment
  • People who expect a fast decision and a quick payout

Who should look elsewhere

  • Anyone with a weak credit history, since the credit check is hard
  • Borrowers who want a variable rate, as the rate here is fixed
  • Anyone after a lending marketplace that compares many lenders at once

The company behind it

FinBee is a direct lender based in Lithuania, trading as UAB "Finansu bite" (Finansų bitė), company code 304051511. It was founded in 2015 and lends to borrowers directly rather than acting as a broker. The Bank of Lithuania licenses it as a consumer credit lender and a peer to peer lending platform operator, with a separate crowdfunding licence for another company in the group. You can reach the team by phone, email or through the help centre listed under phone, email and help centre.

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 interest rate does FinBee charge on a personal loan?+

FinBee lends at a fixed annual rate, shown as fixed and fixed for the life of the loan. The representative example on its consumer loan page puts the total cost of credit at 17.76%, which already includes the contract fee and the credit assessment fee.

How much can I borrow and for how long?+

Loan amounts run €300 to €25,000, and the term can be 12 to 60. The long end of that range suits a larger renovation bill, while the shorter end suits a quick consolidation.

What fees do I pay on top of the interest?+

The arrangement fee is 1.5% to 9.05% of the loan amount, and there is also a one-off creditworthiness assessment fee charged when the loan is taken. Early repayment is free, so clearing the loan early does not add a further charge.

What does the representative example look like?+

In the published example, the borrower receives less than the amount borrowed because the contract fee and credit assessment fee are taken up front, then pays a fixed monthly amount to the end of the term. The total cost of credit in that example is 17.76%.

How fast do I get the money?+

The decision usually comes within minutes of applying, and the loan is paid no later than the next business day after the contract is signed. That speed suits anyone who has a confirmed bill to cover.

Will the loan check my credit?+

Yes, the credit check is a hard one, so an application can affect your credit file. Applicants are also asked for accurate data, stable official income and an acceptable credit history and overall financial situation.

Is FinBee regulated?+

Yes. The Bank of Lithuania licenses the company as a consumer credit lender and a peer to peer lending platform operator in Lithuania, and it also holds a crowdfunding platform licence for another company in the group.

What kinds of loan does FinBee offer?+

FinBee offers personal loans, including for debt consolidation and car purposes, and its stated use case is home improvement. The rate is fixed, so what you agree to repay each month stays the same.

How do I get help once I have an account?+

Support runs through the channels listed under phone, email and help centre, which means you can pick up the phone, send an email or work through the help centre when you have a question about a payment or your contract.

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

A fixed rate personal loan for home improvement, decided fast and paid out quickly.

9.0/10Visit