RRozoFinanceStart €7/mo plan
For students & gig workers

Your path to financial breathing room — starts here.

Access quick loans up to €500, secured against a laptop, phone, or jewelry. We're here when you're between paychecks, between semesters, or between months.

Apply for a €500 loan →Talk on WhatsApp
  • 100% transparent process
  • Secure collateral storage
  • Repay in 3 months
How it works

Get your loan in simple steps.

  1. 1
    Apply online

    Fill out our form: your details, student status (if applicable), and the loan amount (up to €500).

  2. 2
    Provide documents

    Bring passport, student ID, and residence permit (if applicable) to our Mārupe office.

  3. 3
    Submit collateral

    Provide an item — laptop, smartphone, or jewelry — for evaluation. Stored securely.

  4. 4
    Get approved fast

    Our team reviews your application and collateral, approving your loan in minutes.

  5. 5
    Receive your funds

    Sign the loan agreement and get your funds immediately, to cover your expenses.

  6. 6
    Repay and retrieve

    Repay within 3 months max. Get your collateral back. No hidden fees. Clear terms.

  • 100% transparent process
  • Secure collateral storage
  • 3 months repayment, max
  • Mārupe office, Latvia
Check eligibility

Can you apply? Four quick checks.

If you say yes to all four, you can come in and apply. If anything is unclear, message us on WhatsApp — we sometimes can work with edge cases.

  • 1You are 18 or older.
  • 2You are in Latvia legally — citizen, EU national, or holder of a valid residence permit.
  • 3You have valid ID (passport, eID, or residence card).
  • 4You have an item worth at least €600 to use as collateral.
Apply on WhatsApp →Book a visit to the office
From our customers

Real loans, returned in three months.

  • “As a student, I was worried about loans, but they explained everything clearly. I got 300€ fast.”

    Priya Nair

  • “I was nervous at first, but they made it so easy. Got 200€ using my necklace, very secure.”

    Zeynep Aydın

  • “I used my laptop as collateral and got my loan the same day. Highly recommend.”

    Rahul Sharma

  • “Great for international students. I borrowed 400€ using my watch, no hidden fees.”

    Rohit Gupta
Common questions

Frequently asked.

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 Mārupe 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

You're self-employed and need a quick loan?

Many of our courier and Bolt-driver customers also do their self-employed accounting with us at €7 a month. Same office. Same WhatsApp number.

See self-employed accounting →

Need a loan or have a question?

Apply for €500 loan →Book a visit