Your frequently asked questions
Clear, useful answers, with no misleading promises, to help you at every stage of the process.
How does an online loan application work?
You fill in a form that fits on a single page, stating your project, your contact details and your situation. Once sent, your application is assessed. This does not mean automatic approval.
How long does sending an application take?
The form fits on a single page and is designed to be filled in quickly. The time needed depends on your situation and how detailed the information you provide is.
What documents might be needed?
Depending on the nature of the project, the amount requested or applicable requirements, additional documents may be requested during assessment.
How does the calculation work?
The simulator calculates an estimate based on the amount, duration and indicative rate. The result is provided for information only and is not a loan offer.
Does an application guarantee I will get a loan?
No. Every application is assessed and approved under the applicable conditions. The site never suggests otherwise.
How is my data protected?
Your data is transmitted over an encrypted (HTTPS) connection and validated server-side before being stored. Access is restricted to authorised staff, and we apply a data-minimisation principle: only the information needed for your application is requested. See our privacy policy.
Can I change my application?
Before sending, you can freely review and change every field of the form. Once sent, any change will depend on how customer support is organised and the server-side process in place.
How do I contact customer support?
You can use the site's contact form or the details given on the contact page.
Can I withdraw my consent?
Yes. You can ask us at any time to give you access to, correct or delete your data, in line with our legal obligations. See our privacy policy.
What annual rate does Veloria Finance offer, and is it fixed?
Veloria Finance offers a fixed annual rate of 3.1%. Once agreed for your loan, this rate does not change for the entire repayment period.
Who is eligible for the 3.1% rate, and is it guaranteed for every application?
The fixed rate of 3.1% applies to every assessed application — there is no different or higher rate depending on profile. Sending an application does not, however, guarantee that it will be approved: every application is still assessed individually.
Who provides the financing?
Veloria Finance AB, a Lithuanian public limited company (Akcinė bendrovė), acts as a direct lender: the financing is granted directly by Veloria Finance, not by a third-party bank or referral partner.
What are the minimum and maximum loan amount and duration?
Veloria Finance offers financing between €1,000 and €500,000, over a duration of 12 to 300 months.
What fees may apply?
Any fees or optional insurance vary depending on your application and are disclosed to you individually before you commit to anything.
How long does the assessment of my file take?
Applications are typically reviewed within 48 business hours of submission.
Can I use the simulator without any commitment?
Yes. The simulator is free to use and creates no obligation. It is an indicative estimate only — it is not a loan offer and does not commit Veloria Finance or yourself in any way.
In which countries is the offer available?
The site is currently presented in Lithuanian (primary), German, Latvian, Polish and English. The exact list of countries where the credit offer is available is being finalised and will be published here.