Latest listings
Direct offers from people — borrowers and private lenders in Lithuania.
What is a private loan?
A private loan is money lent by one individual to another on mutually agreed terms, without a bank and without a licensed lender. In Lithuania such a transaction is governed by the Civil Code (Articles 6.870–6.875, the loan agreement).
No bank bureaucracy
You do not need an income certificate, a credit-history check or an employer's confirmation — the parties agree on everything themselves.
Flexible terms
The parties freely agree on the interest rate, repayment schedule and term. The law sets no maximum annual rate between individuals (unlike licensed lenders under the Consumer Credit Law).
A written agreement is essential
To protect both sides and keep evidence in court, the agreement should be made in writing. The portal offers a free loan-agreement template.
How it works
Post a listing
State the amount, term and purpose. Borrowers: the first 5 listings are free, then €3. Lenders: €5 from the first listing.
Interested people reply
The other side contacts you directly. We do not pay out and do not guarantee the deal — we act only as an information platform (a classifieds portal).
Sign the agreement
Use our free template or your own. For larger sums (from €3,000) a notarised agreement is recommended.
Borrower or lender?
I want to borrow
Find a private lender in Lithuania — without a bank, with a flexible schedule.
Post a listing (free)I want to lend
Lend money and earn interest. Post your offer or reply to borrowers' listings.
Post an offer (free)If a private loan does not fit
Below — legal, licensed options supervised by the Bank of Lithuania. We do not advertise any specific lender and are not a party to the agreement.
Bank consumer credit
Swedbank, SEB, Luminor, Citadele — regulated rate (APRC), standard agreement.
Licensed non-bank lenders
Companies on the Bank of Lithuania public list (lb.lt). Faster than a bank, but pricier.
Credit unions
Cooperative lending for members, often gentler terms than a bank.
Pawnshop
Fast cash against an item, if you have liquid collateral.
Borrowing involves risk. Assess your ability to repay carefully. Late payments harm your credit history.
Loan calculator
Work out the monthly payment — annuity or straight-line (equal principal) schedule.
Open the calculatorWhat we are — and what we are NOT
- ✓A classifieds portal (like a private listings section)
- ✓An advertising platform — we publish individuals’ ads
- ✓A place where the parties find each other and agree THEMSELVES
- ✕NOT a lender — we do not issue loans or hand over money
- ✕We do NOT charge interest and do NOT take part in the deal
- ✕NOT a financial/credit intermediary and NOT a peer-to-peer lending platform operator
- ✕NOT a financial service — no Bank of Lithuania licence required
Publishing ads is a legally permitted advertising service (an information-society service). We do not charge a commission on the loan amount, we do not recommend the parties and we do not systematically match borrowers with lenders — so we are not a lender, a credit intermediary or a peer-to-peer lending platform operator within the meaning of the Consumer Credit Law (supervised by the Bank of Lithuania). All deals are concluded directly between individuals and are governed by a loan agreement under the Civil Code (Art. 6.870–6.875).
Tips before a loan
- Always make the agreement in writing — even when lending to a relative.
- Verify the other party's identity — ID document and address.
- Never pay any 'fees' up front — that is the most common scam.
- If the sum exceeds €3,000, choose a notarised agreement.
- Mind the taxes — interest received is the lender's taxable income (GPM 15%).
Everything about private loans — in one place
Guides, a loan-agreement template and a calculator. All resources →
Agreement and law
Tools
Private loans in Lithuania — a full guide
A private loan in Lithuania is money lent between individuals, where neither side is a bank or a licensed lender. It is a loan from a private person — a simple civil transaction governed by the Civil Code (Articles 6.870–6.875, the loan agreement).
PrivatiPaskola.lt is a classifieds portal where borrowers and lenders meet directly. We are not a peer-to-peer lending platform in the regulatory sense (operators of such platforms in Lithuania are licensed by the Bank of Lithuania) and we do not approve deals. Our role is only to provide the space for a listing.
Why people choose a private loan
- The bank said no — poor credit history, informal income, a young business.
- Speed — a private loan is arranged in 1–2 days.
- Small amount — €200–2,000 that a bank won't lend or charges too much for.
- Flexible schedule — you agree on repayment to suit your means.
- Someone close — a loan between relatives with a written agreement (recommended!).
What the Civil Code governs
A loan agreement between individuals is deemed concluded from the moment the money is handed over (Art. 6.870). The parties set the interest themselves; a court may reduce clearly excessive interest (Art. 6.37). How this works in practice — on the page private loans.
How much it costs
Borrowers get the first 5 listings free, then €3 per listing; lenders pay €5 from the first listing. The fee only covers the portal's costs. We never charge a commission on the deal amount. Full pricing — on the pricing page.
Demo examples and how the board works
The portal has just opened, so the listings board shows a few demo examples marked “Example”. As soon as a real ad of the same side appears, the matching example disappears automatically. Borrowers post the first 5 listings free, then €3; lenders pay €5 from the first listing.
Where to start
Start with private loans (definition and a deal checklist), then the loan-agreement template you can download for free. Active offers are on the listings board; questions via the contact page.
Get started now
Browse active listings or post your own. Borrowers: the first 5 listings are free, then €3; lenders: €5 from the first listing. Sign up by email in a minute, no password.
We are not a bank and not a lender. A classifieds publishing service (an information-society service). NET Partner OÜ, 11299597.