VIAINVEST is a part of VIA SMS group – financial services provider operating across Europe. Since its founding in 2008 the company currently operates in 5 countries and has grown into one of the leading European short-term lenders. Company headquarters are located in Riga, Latvia.

VIASMS.lv launched in December, 2009 offering short term consumer loans under various conditions in Latvia. VIASMS.lv ensures fast lending and customer support at any time.

  • Available amount – up to EUR 700
  • Duration – up to 30 days

VIACREDIT.lv launched in September, 2011 is an unsecured installment loan offering up to EUR 1500 with a duration between 3 months and 1 year. VIACREDIT.lv is available for citizens of Latvia.

  • Amount – up to EUR 1500
  • Duration – up to 12 months
  • GPL – 138,18%

SAVA.card launched on November, 2016 as a payment card without any ties to banks that allows you to purchase goods and services within its credit line limits. SAVA.card can be obtained free of charge and is accepted by more than 32 million retailers and 600 thousand cash withdrawal spots worldwide. Application process and account management can be fully done online. SAVA.card is operating within the MasterCard system.

  • Credit line – up to EUR 1500
  • Daily interest rate – 0,25%
  • Fee for purchases – EUR 0

VIA SMS Group bonds have been issued on the Nasdaq OMX Baltic stock exchange market in 2014 and offers an investment interest rate at 13% per year. To ensure investment transparency the company is audited by its independent auditor company Deloitte.

  • Bond coupon rate – 12,5%
  • Minimal investment – EUR 1000

VIACONTO.se founded in November, 2012 offers short term consumer loans under various conditions in Sweden. VIACONTO.se ensures fast lending and customer support at any time.

  • Amount – up to SEK 10 000
  • Duration – up to 90 days

VIAKREDIT.se is a installment loan from SEK 5000 up to SEK 20 000 on the basis of an open agreement. VIAKREDIT.se is available for citizens of Sweden.

  • Amount – up to SEK 20 000

VIASPAR is a lucrative savings product available for individuals in Sweden. VIASPAR offers an attractive product portfolio with flexible high-yield savings and capital accounts.

  • Interest rate for individuals – 4,5%
  • Interest rate for companies – up to 9,5%
  • Minimal deposit for individuals – EUR 500
  • Minimal deposit for companies – EUR 10 000

VIASMS.pl founded in April, 2011 offers short term consumer loans under various conditions in Poland. VIASMS.pl ensures fast lending and customer support at any time.

  • Amount – up to PLN 4000
  • Duration – up to 30 days

VIASMS.cz founded in January, 2011 offers short term consumer loans under various conditions in the Czech Republic. VIASMS.cz ensures fast lending and customer support at any time.

  • Amount – up to CZK 20 000
  • Duration – up to 30 days

VIACONTO.es founded in April, 215 offers short term consumer loans under various conditions in Spain. VIACONTO.es ensures fast lending and customer support at any time.

  • Amount – up to EUR 600
  • Duration – up to 30 days

Business at a glance

  • € 74 357 000

    total value of issued loans in 2016

  • 118%

    average annualized interest rate on loans to customers

  • net loan portfolio has reached

    € 14 669 000

    in 2016, an increase of 39%

  • revenue in 2016 has reached

    € 16 545 000

    an increase of 22%

  • € 2 993 000

    EBITDA in 2016

  • 10%

    profit margin before tax

  • € 243

    average size of issued loan

  • 6.2%

    non-performing loans to total issued loans

  • 150

    total number of employees around the world

Our partners

  • VIAS Bonds
  • Mastercard
  • Transact Pro
  • Arvato
  • Instantor

Our official auditor

  • Deloitte