Refinancing · 500–15 000 €
Many payments — one
Tick the loans you have now and set their balances. You will see one monthly payment straight away, at a fixed rate from 1% per month.
This calculation is for information only. See the representative example at the bottom of the page.
What do you have now?
Tick your loans — the amount will add up
The balances are examples. Set your own amount with the slider.
- Fixed rate from 1%/mo.
- 500–15 000 €
- 12–84 months
- PTAC licence NK-2016-056
How it works
One loan, one payment, one date
Take one loan, use it to pay off your existing debts — and from then on, pay just one lender. Easier to keep track of, harder to forget something.
A longer term reduces the monthly payment but increases the total cost. Before you decide, compare how much you pay in total now and how much you will pay after refinancing.
Term
Choose a payment that fits your budget
The longer the term, the lower the monthly payment, but the higher the total amount you repay. Compare and choose with care.
- Selected term
- 60 mo.
- Monthly payment
- from 90.93 €/mo.
For 3 500 € · Tap a bar to choose the term
mo.
What you will need
Prepare in advance — just three things
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Personal code
To assess the loan and check your details in databases.
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Account statement for 6 months
PDF or JSON from your online bank: account → statement → period 6 months → download.
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Phone and email
So that a specialist can contact you about the offer.
About NORD Credits
A licensed lender with an office in Riga
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Fixed interest rate
The rate does not change during the term of the agreement, so your monthly payment is predictable.
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All terms before the agreement
Before signing, you will receive a written offer showing the total cost and the APR.
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Office in Riga
Vesetas iela 3, Rīga. You can also speak to a specialist by phone.
Consumer Rights Protection Centre (PTAC)
Special permit (licence)
No. NK-2016-056
to provide consumer lending services in the Republic of Latvia
AS «NORD Credit»
Issued on 15 December 2016
Questions
Frequently asked questions
What is refinancing?
You take one new loan and use it to pay off your existing ones — credit cards, quick loans, instalment purchases. From then on, you have one lender, one payment and one date.
Will my monthly payment be lower?
It depends on the rates of your existing loans and the term you choose. A longer term reduces the payment but increases the total cost. You will see the exact payment and the APR in the offer before you sign the agreement.
Which loans can be combined?
Consumer loans, quick loans, credit cards and instalment purchases — from 500 to 15 000 € in total.
Why is a bank account statement needed?
The lender has to make sure you can afford the payment. A 6-month statement shows your income and existing payments — without it, the application cannot be assessed. A PDF or JSON from your online bank is fine.
How much does the loan cost?
It depends on the amount and the term. The price is made up of a fixed interest rate from 1% per month (12% per year), an agreement fee and a monthly service fee. You will see the exact price and the APR in the offer before you sign the agreement. A calculation example is at the bottom of the page.
Can I repay the loan early?
Yes. You have the right to repay the loan in full or in part at any time, and the total cost of the loan is then reduced. Details are in the agreement.