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Latvijas Kredits Centrs review

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

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Our verdict

Latvijas Kredits Centrs suits Latvian borrowers with official income or collateral security who want a broker to place the loan. Personal loan APR of 5.8% to 36% sits under the site median of 15.5%, and the home equity product fee is €0.

Key facts

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

Mortgages

Initial rate
2.9%↗
Fixed period
0.5 to 30 years↗
Maximum loan to value
70%↗
Product fee
€0↗
Purpose
Home-equity, Purchase↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
Xfacebook.com

Pros and cons

Pros

  • APR of 5.8% to 36% sits under the site median of 15.5%
  • Amounts run €1,000 to €25,000 across terms of 3 to 120
  • Free early repayment, alongside a €0 product fee on the home equity loan
  • Hard credit check, but credit needed is poor

Cons

  • Credit check is hard, so an application leaves a file search behind
  • It works as a broker, so the lender setting the final offer is not the brand you apply to
  • Eligibility asks for official income or collateral security, so applicants need documents ready

Ready to try Latvijas Kredits Centrs?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Latvian residents who can show official income or put up collateral security
  • Borrowers consolidating debt or funding home improvement
  • Homeowners borrowing against equity to lower the rate

Who should look elsewhere

  • Borrowers who want a larger euro loan than €1,000 to €25,000 allows, with Creduma ES lending amounts of from €12,000
  • Anyone hoping to apply without a file search, since the credit check is hard
  • Borrowers outside the euro area, since Cashspace lends in Philippine pesos at APR of PHP 12 to PHP 36

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 rate do I pay on a personal loan?+

Personal loan APR runs 5.8% to 36%, and the home equity loan starts at an initial rate of 2.9%. The site median for this kind of borrowing is 15.5%, so the top of the range here is the figure worth comparing.

How much can I borrow and for how long?+

Personal loans cover €1,000 to €25,000 with terms of 3 to 120, so both the amount and the schedule move with the borrower. Borrowing against a home runs over a fixed period of 0.5 to 30 and uses the property as security, which suits owners rather than renters.

What fees do I pay?+

The product fee on the home equity loan is €0, and early repayment is free, so clearing the balance ahead of schedule adds nothing. Application review is Application review in 20 minutes, free, and the registered entity behind the offer is SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202).

Is it regulated?+

It appears in the register of credit intermediaries and credit intermediary representatives kept by the Consumer Protection Centre in Latvia, under the entry KS-01. The legal entity is SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202), and the business is based in Latvia.

What credit do I need?+

Credit needed is poor and the check is hard, so expect a full file search on the credit system. Applicants need official income or collateral security, a passport or identity card, and proof of official income.

Can I repay early?+

Early repayment is free, so a borrower who finishes early keeps the interest already paid rather than adding an extra charge. A €0 product fee on the home equity loan and a hard credit check are the other terms that shape what a loan costs overall.

How do I get help?+

Support runs on email, phone and help centre, so you can reach the team by email, phone or the help centre. The business is based in Latvia, and the listed loan types are personal, debt consolidation, car, secured, business and student.

Do I deal with the lender directly?+

The brand works as a broker, matching borrowers with lenders rather than lending money of its own, so the offer you receive comes from another firm. The registered entity is SIA "LATVIJAS KREDĪTU CENTRS" (Reg. No. 40103664202), and property lending runs at a loan to value of 70%.

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

    “Kredīta atmaksas termiņš no 6 mēnešiem līdz 30 gadiem”

  • 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.

Related by the facts

Latvijas Kredits Centrs

Latvian borrowers with official income or collateral security after a low rate personal loan

8.9/10See alternatives