Apply
Message us on WhatsApp or walk into our Riga office. Tell us how much you need, what you'd pledge, and bring your ID.
For students & gig workers in LatviaCash this week.
Cash this week.
€500. Same day.
Walk into our Riga office or message us on WhatsApp. Bring your laptop, phone, watch or jewelry. Sign the agreement, leave with the funds. Repay inside three months, collect your item.
No credit check · No hidden fees · Returned on repayment
€500Maximum loan
30 minIn-office approval
3 monthsRepayment, max
RigaSafe on-site
Built for the in-between
When the next paycheck is still a week away.
Between semesters, between rent days, between Wolt payouts — there are weeks when €200 feels impossible. Banks won't lend you €200 for three months. We will, against something you already own.
You pledge an item. We hold it in our office safe. The loan is in writing. The repayment is in writing. The day you repay, you walk out with the item in your hand.
No credit check. No call to your employer. No phone calls from collectors.
How it works
Three steps. Same-day cash.
Approve
We evaluate your collateral, confirm the terms in writing, and sign the loan agreement together. Most approvals take 30 minutes.
Receive
Funds are released the same day. Repay within 3 months and collect your collateral from the office safe.
What you can pledge
Four things in your bag. One loan in your account.
The item needs to be valued at €600 or more. We appraise it on-site in front of you — no guessing, no hidden discount.
Laptop
MacBook, ThinkPad, Dell XPS, gaming notebook
Typical: €300–€500
Smartphone
iPhone 13+, Galaxy S22+, Pixel 7+, unlocked, working
Typical: €200–€400
Watch
Apple Watch, premium analog, gold-plated
Typical: €150–€500
Jewelry
Gold, silver, gemstones — appraised on-site
Typical: €100–€500
- 100%In-writing terms
- €600+Collateral floor
- 3 monthsRepayment, max
- RigaIn-office, Latvia
Check eligibility
Four quick checks. Then come in.
Say yes to all four and you're good. Anything unclear, message us on WhatsApp — we work with edge cases more often than not.
- 1
You are 18 or older.
Valid for any nationality with legal Latvian residence.
- 2
You are in Latvia legally.
Latvian citizen, EU national, or valid Latvian residence-permit holder.
- 3
You have valid ID.
Passport, eID, or Latvian residence card. We make a copy on-site.
- 4
You have an item worth €600+.
Laptop, phone, watch, jewelry. We appraise in front of you.
Real loans, returned in three months
People who came in, signed, and walked out with cash.
No stock photos. No paid reviews. Names changed only where the customer asked.
As a student, I was worried about loans, but they explained everything clearly. I got €300 fast and got my laptop back two months later.
Priya Nair
I used my laptop as collateral and got the loan the same day. The agreement was in writing, no surprises. Highly recommend.
Rahul Sharma
I was nervous at first, but they made it so easy. €200 against my necklace, kept in a safe. Returned the moment I repaid.
Zeynep Aydın
Common questions
What people ask us most.
Who can apply for a loan?
International students in Latvia and Latvian gig workers with valid ID, passport, and residence permit (if applicable). You must be 18 or older.
What is the maximum loan amount?
€500. Larger amounts are not currently supported.
What items can I use as collateral?
Laptop, smartphone, tablet, watch, or jewelry. The item must be valued at €600 or more.
Is my collateral safe?
Your item is stored in a secure on-site safe at our Riga office and returned to you upon full repayment.
How fast is approval?
Most applications are approved within 30 minutes of your in-office visit.
What if I cannot repay on time?
Talk to us before the due date. We offer one 30-day extension per loan if you communicate with us. No silent late fees.
Do you do credit checks?
No. The collateral is the security — we do not pull your credit.
Is there a fee I should know about?
The fee structure is transparent and shown in the calculator below. There are no hidden charges. Final terms are confirmed in writing in your loan agreement before you sign.
Also for self-employed
Driving Wolt or Bolt? You probably need accounting too.
Many of our loan customers also do their self-employed accounting with us at €7 a month. Same office, same WhatsApp number. We file VSAOI quarterly so VID doesn't become the next emergency.
See self-employed accounting
€7 a month · cancel anytime · first 14 days free
Apply today
Need cash this week?
Walk into our Riga office or apply on WhatsApp. Up to €500 against your collateral, same day.
Up to €500 · 3 months max
Or stop by
Riga office, weekdays.
Mon–Fri 10:00–18:00 EET. Bring ID and the item you want to pledge. In-office approval typically inside 30 minutes.
Walk-in or appointment
Have a question first? Message Santa.
Mon–Fri 10:00–18:00 EET. Most messages answered within the hour.