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

Paskolu Klubas 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

Paskolu Klubas suits Lithuanian salaried borrowers who want a fixed rate and money in hand fast, but the price is high. Its APR of 12.5% sits below the personal loans median of 14.43%, and a mediation fee of 4.9% is added to the interest.

Key facts

Best for
Salaried borrowers in Lithuania who need a fixed rate, a fast payout and a long repayment window.
APR
12.5%↗
Loan amount
€100 to €35,000↗
Term
1 to 120 months↗
Arrangement fee
Mediation fee from 4.9% of the loan, included in monthly instalments; contract administration fee 0 EUR↗
Credit check
Hard↗
Funding time
Consumer loan money received in less than 10 minutes↗
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↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
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↗
Origination fee (%)
4.9%↗
Loan types
Personal, Debt-consolidation, Credit-line, Business, Car, Student, Guarantor↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
NEO Finance, AB↗
Headquarters
Lithuania↗
Support channels
Phone, Email, Help-centre, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
paskoluklubas.lt

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
LinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • Fixed rates at fixed, so instalments do not shift with the market
  • Money often arrives in less than Consumer loan money received in less than 10 minutes
  • Free early repayment, so clearing the loan early costs nothing extra
  • Borrowing runs 1 to 120, among the longest windows on the site

Cons

  • A mediation fee of 4.9% of the loan adds to the interest
  • Applications are open only to people receiving official salary from a Lithuanian employer, so self-employed and other income is excluded
  • A hard credit check is required, and existing commitments must leave room in monthly income

Ready to try Paskolu Klubas?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Salaried employees in Lithuania with a good credit history and stable income
  • Borrowers planning home improvement who want a longer term to keep instalments lower
  • Anyone who values a same day payout over a lower rate

Who should look elsewhere

  • Self-employed applicants and anyone whose income does not arrive as official salary from a Lithuanian employer
  • Borrowers with a poor credit history, since the credit check is hard
  • Those chasing the lowest cost, as Creduma ES starts at from €12,000 and Sofkredit runs APRs of 10.74% to 18.06%

Who runs it

Paskolu Klubas is a lending marketplace operated by NEO Finance, AB and based in Lithuania. The Bank of Lithuania publishes the list of consumer credit providers it appears on. Support runs through phone, email and help centre, so help is available by phone, email, live chat and a help centre. Loans cover personal borrowing, debt consolidation, credit lines, business, car and student purposes, all at fixed rate.

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 interest rate does Paskolu Klubas charge?+

The advertised APR is 12.5% and the rate type is fixed, so the rate holds for the life of the loan. In the representative example the mediation fee is folded into the instalments, and the total repayable on a small consumer loan comes to well above the amount borrowed.

What fees are added to the loan?+

A mediation fee of 4.9% of the loan is charged and folded into the monthly instalments. The contract administration fee is free. Early repayment is also free, so settling the loan sooner does not add a charge.

How fast can I get the money?+

Consumer loan money is received in Consumer loan money received in less than 10 minutes, and same day funding is listed as a feature. That speed depends on the decision and on the payout route once the loan is approved.

How much can I borrow and for how long?+

Loan amounts run €100 to €35,000 and terms run 1 to 120, so both ends are wide. That covers short personal loans and larger sums spread over a long repayment period.

Who is eligible to apply?+

Applicants must be adults, officially employed with stable income, and have existing financial commitments that do not exceed part of monthly income. A clean credit history is needed. Right now only people receiving official salary from a Lithuanian employer can apply.

How is the credit history checked?+

The credit check is hard, and a good credit history is what the lender looks for. Existing commitments must also leave headroom in monthly income, so a recent loan elsewhere counts against the application.

Is Paskolu Klubas regulated?+

It is listed by the Bank of Lithuania on its public list of consumer credit providers. The operator named in the site's information is NEO Finance, AB, with its headquarters in Lithuania.

What kinds of loans are on offer?+

The lending list covers personal, debt consolidation and credit line, each at fixed rate. Home improvement is the stated use case, and a credit line gives flexibility if the amount drawn changes.

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

Salaried borrowers in Lithuania who need a fixed rate, a fast payout and a long repayment window.

8.5/10See alternatives