Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Kreditstar.lv review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Kreditstar.lv suits Latvian residents with a regular official income who want a broker to match a personal loan to the right lender, and the price band is wide. Borrowing runs at 12% to 29.9% over terms of 3 to 84, and a formation fee of 336 EUR applies to every loan.

Key facts

Best for
Latvian residents borrowing €500 to €25,000 for home improvement or debt consolidation.
APR
12% to 29.9%↗
Loan amount
€500 to €25,000↗
Term
3 to 84 months↗
Arrangement fee
336 EUR↗
Funding time
Same day after signing the contract, timing depends on the chosen lender and bank↗
Representative example
4200 EUR over 72 months, 336 EUR formation fee, GPL 20.86%, total repayable 7440.96 EUR, 98.68 EUR monthly↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
Permanent resident of Latvia aged 18 or over, regular official income, active current account in a Latvian bank, valid phone and email↗
Loan types
Personal, Debt-consolidation, Credit-line, Secured, Car, Business↗
Use cases
Home-improvement↗
Legal entity
SIA Schaefer↗
Headquarters
Latvia↗
Support channels
Phone, Email, Help-centre↗
Features
Same-day funding
Official website
kreditstar.lv

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.cominstagram.comtiktok.comyoutube.com

Pros and cons

Pros

  • Money can arrive the same day after the contract is signed, and the service lists same day funding as a feature.
  • Amounts run €500 to €25,000 with terms of 3 to 84, so short and long borrowings both sit inside the range.
  • personal, debt consolidation and credit line covers personal, debt consolidation, credit line, secured, car and business lending.
  • phone, email and help centre means phone, email and a help centre are all open to applicants.

Cons

  • Free early repayment: no, so clearing the balance before the end of the term can come with a cost.
  • A formation fee of 336 EUR is added to the loan and weighs most on smaller amounts.
  • Applications are limited to permanent Latvian residents with regular official income and a current account at a Latvian bank.

Ready to try Kreditstar.lv?

Scored 8.6 / 10 by SumCue.

See alternatives

Who it suits

  • Permanent Latvian residents with regular official income and a current account at a Latvian bank.
  • Borrowers funding home improvement, the purpose named under home improvement.
  • People who want several lenders compared on their behalf, since the service is a broker.

Who should look elsewhere

  • Not Creduma ES, which starts at from €12,000 and is aimed at larger sums.
  • Not Sofkredit, where 10.74% to 18.06% caps the rate below the top of this range.
  • Not Cashspace, whose PHP 12 to PHP 36 is quoted in pesos rather than in the euro amounts here.

How Kreditstar.lv compares

Where Kreditstar.lv is available

Available
Latvia
Licence in Latvia
Credit intermediary licence, issuing authority not named on the page (KS-25), checked September 26, 2026

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

Frequently asked questions

What does it cost to borrow through Kreditstar.lv?+

The rate sits at 12% to 29.9% and every loan carries a formation fee of 336 EUR. The published representative example shows the total repayable standing well above the amount borrowed once that fee is added, so the fee matters most on smaller borrowings.

Is Kreditstar.lv regulated?+

It holds a credit intermediary licence in Latvia, numbered KS-25, and operates as SIA Schaefer. Because it works as a broker, the borrowing contract itself is with a lending partner rather than with the site.

How much can I borrow and for how long?+

Amounts run €500 to €25,000 and terms run 3 to 84. personal, debt consolidation and credit line covers personal loans, debt consolidation, credit lines, secured lending, car finance and business loans, so the same broker can handle a small consolidation and a larger secured sum.

How quickly is the money sent?+

Funding comes the same day after the contract is signed, and the timing depends on the lender and bank you are matched with. The service lists same day funding as a feature, so speed sits inside the offer rather than being a separate extra.

Who can apply?+

Applicants must be adults and permanent residents of Latvia, with regular official income, an active current account at a Latvian bank, and a valid phone and email. Both the residence and the bank account have to be Latvian, which rules out applicants living and banking elsewhere.

Can I repay the loan early without a charge?+

Free early repayment: no. The offer does not include it, so settling the balance before the end of the term can carry a cost. That is worth weighing if your income might rise, or if you took a consolidation loan to clear other debts sooner.

How do I reach support if something goes wrong?+

phone, email and help centre covers phone, email and a help centre, so there is both a direct line and a written record for any question about a contract. Since the site is a broker, questions about the rate and the lender go through the same team first.

How does this offer compare with other listings?+

The offer score reads 5.6 and the overall score is 5.6. On loan amount it ranks 359 of 665 brands, so it sits in the wider field rather than at the front. Across the site the retail loss figure is 70.15%.

Sources

  • kreditstar.lv checked September 26, 2026

    Backs: Licences

  • kreditstar.lv/lv/buj checked September 26, 2026

    Backs: Eligibility, Features, Funding time, Loan types, Support channels, Use cases

    “Latvijas Republikas pastāvīgais iedzīvotājs vecumā no 18 gadiem; Oficiāli un regulāri ienākumi; Aktīvs norēķinu konts kādā no Latvijas bankām; Derīgi kontaktinformācijas dati”

  • kreditstar.lv/lv/lietosana checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “juridiskā adrese: Lielā iela 2B, Saldus, LV-3801”

  • kreditstar.lv/lv/paterina-kredits checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Arrangement fee, Representative example, Term

    “kredīta summa no 500 EUR līdz 25000 EUR”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

Kreditstar.lv

Latvian residents borrowing €500 to €25,000 for home improvement or debt consolidation.

8.6/10See alternatives