VIAINVEST is a part of VIA SMS Group – financial services provider operating across Europe. Since its founding in 2009 the company currently operates in 7 countries and has grown into one of the leading European consumer lenders. Company headquarters are located in Riga, Latvia.

VIASMS.lv launched in December, 2009 offering open-ended agreement credit line in Latvia. VIASMS.lv ensures fast lending and customer support at any time.

  • Available amount – up to EUR 3000
  • Duration – open-ended agreement with option to apply for additional amount

VIACREDIT.lv launched in September, 2011 is an unsecured installment loan offering up to EUR 3000 with a duration between 6 months and 1 year. VIACREDIT.lv is available for citizens of Latvia.

  • Amount – up to EUR 3000
  • Duration – up to 12 months

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 3000
  • Daily interest rate – 0,12%
  • Fee for purchases – EUR 0

VIA SMS Group bonds have been issued on the Nasdaq OMX Baltic stock exchange market since 2014. Currently, a new bond issue is being offered to a limited circle of investors with an investment interest rate of 10% per year. To ensure investment transparency the company is audited by its independent auditor company BDO.

  • Bond coupon rate – 10%
  • Minimal investment – EUR 100 000

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 15 000

VIAKREDIT.se is a installment loan 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 – 8%
  • Interest rate for companies – up to 9,5%
  • Minimal deposit for individuals – EUR 5000
  • 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

Cashalot.pl founded in November 2016 offers short-term consumer loans under various conditions in Poland. Cashalot.pl ensures fast lending and customer support at any time.

  • Amount – up to PLN 1500
  • 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 30 000
  • Duration – up to 30 days

VIACONTO.es founded in April, 2015 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

VIACONTO.ro founded in January, 2018 offers short term consumer loans under various conditions in Romania. VIACONTO.ro ensures fast lending and customer support at any time.

  • Amount – up to RON 1000
  • Duration – up to 30 days

Business at a glance

  • € 92 496 464

    total value of issued loans in 2019

  • 131%

    average annualized interest rate on loans to customers

  • net loan portfolio has reached

    € 23 753 481

    in 2019, an increase of 6%

  • revenue in 2019 has reached

    € 27 536 470

    an increase of 12%

  • € 330

    average size of issued loan

  • 7,1%

    non-performing loans to total issued loans

  • 220

    total number of employees around the world

Our partners

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

Our official auditor

  • Deloitte