Bobutės paskola

What Bobutės paskola does

Bobutės paskola is the consumer-facing brand of BnP Finance, UAB, a Lithuanian private limited company (įmonės kodas 302447985) founded in 2013 and headquartered at Ukmergės g. 126, Vilnius. The company operates an online consumer lending platform offering unsecured personal loans ranging from €50 to €10,000 with repayment terms of 3 to 84 months. Its product portfolio centers on the core Vartojimo paskola (Consumer Loan) and Greitos paskolos / Greitasis kreditas (Fast Loans), supplemented by purpose-specific variants (wedding, medical, vacation, auto, home renovation), specialized products for self-employed individuals (individuali veikla) and business certificate holders (verslo liudijimas), a student loan, and a refinancing/consolidation product. Operations are restricted to Lithuanian citizens working in Lithuania.

The platform is delivered through a digital-first architecture: a web application with an interactive loan calculator and self-service customer portal, native iOS and Android mobile apps, and three electronic identity verification paths (Smart-ID, M.parašas qualified electronic signature, and MarkID video-based biometric verification). Loan decisions flow through a semi-automated creditworthiness evaluation engine integrated with Lithuanian credit bureaus (Creditinfo Lietuva, Scorify) and apply a maximum 40%-of-income debt-service cap. Disbursement is automated to deliver funds within 5-15 minutes during extended business hours (07:00-22:00), with settlement banking provided by AB Neo Finance. The company holds a Bank of Lithuania-supervised consumer credit license under the Lithuanian Consumer Credit Law, with documented AML/KYC, GDPR and complaint-handling procedures.

Revenue is generated primarily through consumer loan interest (BVKKMN 22.68%-136.27% depending on loan size and term), a flat monthly contract fee of €3.3, late-payment penalties of 0.05% per day, a one-time €0.01 registration fee, and ancillary fees for refinancing and rescheduling. Customer acquisition combines direct-to-consumer online conversion (website, mobile apps, social media), phone-based loan service for returning customers with electronic signatures, a physical Vilnius customer-service office, repayment infrastructure through AB Lietuvos paštas and Perlo terminals, and a dependent intermediary network (UAB Taurus Fondas, AFI LEADS OÜ, DoAff Sia, SIA Schaefer) operating in Lithuania, Estonia and Latvia. A tiered loyalty program with personal account managers, 10-20% interest-discount coupons, and 100% interest-free first loans up to €500 underpins repeat-borrowing economics.

Name

Bobutės paskola

Legal name

BnP Finance, UAB

Website

https://bobutespaskola.lt

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Bobutės paskola is the consumer lending brand of BnP Finance, UAB, a Vilnius-headquartered online lender offering unsecured personal loans from €50 to €10,000 with 3-84 month terms to Lithuanian consumers via web, mobile, phone, and a Baltic intermediary network.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Consumer lending
• Online quick loans
• Unsecured personal loans
• Debt refinancing
• Consumer credit Lithuania

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Consumer Loan Interest: Interest income from consumer loans ranging from €50 to €10,000 with terms from 3 to 84 months. Annual percentage rate (BVKKMN) varies from 22.68% to 136.27% depending on loan amount and term. Monthly contract fee of €3.3 per month applies.
2. Late Payment Fees: Penalty interest of 0.05% per day on overdue amounts, applied for up to 180 calendar days. Additional fees for debt collection and legal proceedings in case of default.
3. Registration Fee: €0.01 one-time registration fee charged to new customers for identity verification and bank account confirmation.
4. Loan Rescheduling Services: Fees for loan extension and rescheduling services, including administrative charges for payment rescheduling.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Bobutės paskola is a Lithuanian consumer credit provider that issues unsecured personal loans of €50 to €10,000 with repayment terms of 3 to 84 months, delivered via an online and mobile platform with automated creditworthiness assessment and same-day disbursement. Its product suite includes fast/quick consumer loans, purpose-specific loans (car, home renovation, vacation, medical, wedding), loans for self-employed individuals (business certificate and individual activity holders), student loans, mini loans, and debt refinancing/consolidation services.

Product overview

Bobutės paskola operates as a consumer lending platform offering unsecured loans through a unified digital platform. The core offering is the Vartojimo paskola (Consumer Loan) with amounts from €50 to €10,000 and terms from 3 to 84 months. The portfolio includes specialized variants targeting specific needs: Greitos paskolos/Greitasis kreditas for quick cash needs, Trumpalaikė paskola for short-term borrowing, Ilgalaikė paskola for extended repayment periods, and Paskola be užstato as a collateral-free option. Purpose-specific products include Paskola vestuvėms (weddings), Paskola atostogoms (vacations), Paskola gydymui (medical), Paskola su individualia veikla (self-employed), Paskola pagal verslo liudijimą (business certificate holders), and Studento paskola (students). Additional channels include Kreditai telefonu for phone-based applications. The platform provides self-service through the Vartotojo zona (Customer Portal) and loan calculator tools, supported by a loyalty program with personalized offers. Refinansavimas (refinancing) enables debt consolidation. All products are offered without collateral, evaluated based on creditworthiness using automated decision-making systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Vartojimo paskola (Consumer Loan) Primary unsecured consumer loan product offering amounts from €50 to €10,000 with repayment terms from 3 to 84 months, designed for Lithuanian citizens aged 18+ with stable income to cover personal financial needs (emergencies, car repairs, utilities, holidays, medical, weddings, home renovation) without requiring collateral, guarantors, or asset pledging.
• Greitos paskolos (Fast Loans) Quick consumer loan for urgent financial needs, with rapid approval and same-day fund transfer to the borrower's bank account within minutes during business hours, processed via the online platform and mobile app.
• Greitasis kreditas (Quick Credit) Short-term consumer credit option for immediate cash needs, processed rapidly with funds available within minutes via the online platform, with terms suited to urgent or one-off borrowing requirements.
• Trumpalaikė paskola (Short-term Loan)
• Ilgalaikė paskola (Long-term Loan) Extended-term consumer loan with repayment periods up to 72 months, designed for larger purchases and long-term financial planning needs, with no collateral required.
• Mini paskolos (Mini Loans) Small-scale consumer loan product for minimal financial needs, positioned at the lower end of the loan amount range as part of the broader product portfolio.
• Paskola be užstato (Collateral-free Loan) Unsecured consumer loan without any requirement for collateral, guarantor, or asset pledging, aimed at borrowers seeking financing based solely on creditworthiness.
• Paskola automobiliui (Car Loan) Purpose-specific consumer loan for car purchase, covering new or used vehicles, evaluated based on borrower creditworthiness without requiring the vehicle as collateral.
• Paskola būsto remontui (Home Renovation Loan) Purpose-specific consumer loan for home renovation, repair, and improvement expenses, processed with quick approval and flexible repayment terms.
• Paskola vestuvėms (Wedding Loan) Specialized consumer loan for wedding expenses including venue, catering, photography, decorations, and honeymoon, with flexible terms and quick approval.
• Paskola atostogoms (Vacation Loan) Consumer loan for travel and vacation expenses including flights, accommodation, and leisure activities, with flexible terms and quick approval.
• Paskola gydymui (Medical Loan) Consumer loan for medical and healthcare expenses including treatments, dental procedures, rehabilitation, and medication, with flexible terms and quick approval.
• Paskola pagal verslo liudijimą (Business Certificate Loan) Loan product tailored for self-employed individuals operating under a business certificate (verslo liudijimas), evaluated based on declared income from the State Tax Inspectorate (VMI), for business and personal financing needs.
• Paskola su individualia veikla (Self-employment Loan) Loan product for individuals engaged in individual economic activity (individuali veikla), assessed based on VMI income declarations, suited for working capital and personal financing of self-employed individuals.
• Studento paskola (Student Loan) Loan product for students with at least some form of income, where qualification can include income from a supporter alongside the student's own income, used for tuition, housing, study materials, transportation, living expenses, equipment, and courses.
• Kreditai telefonu (Phone Credit) Phone-based loan service for existing customers with M.parašas or Smart-ID authentication, enabling them to complete new credit contracts via phone call, with decision and contract signing provided immediately during the call.
• Refinansavimas (Refinancing / Debt Consolidation) Debt consolidation service that combines existing loans and credit obligations from other providers into a single loan with one monthly payment, one contract fee, and potentially lower total monthly cost, freeing additional borrowing capacity for the customer.

Quantifiable outcome

• Loan disbursement within 5 minutes for eligible customers
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability4 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• UAB Taurus FondasminorChannel Partner/ Reseller/ DistributorDependent intermediary based in Vilnius, Lithuania. Company code 304104519. Operates under Faktoro.lt brand. Helps distribute loan products to customers.
• AFI LEADS OÜminorChannel Partner/ Reseller/ DistributorDependent intermediary based in Estonia (Muhu vald, Saare maakond). Company code 16630507. Operates under Pay4Results.eu brand. Facilitates loan distribution in Estonian market.
• DoAff SiaminorChannel Partner/ Reseller/ DistributorDependent intermediary based in Riga, Latvia (Vezu street 1-25). Company code 40203426084. Operates under Iet.lv brand. Distributes loan products in Latvian market.
• SIA SchaeferminorChannel Partner/ Reseller/ DistributorDependent intermediary based in Saldus, Latvia (Lielā iela 9). Company code 50103412751. Operates under Schaefer.lv brand. Facilitates loan distribution in Latvian market.
• INVEGA (UAB Investicijų ir verslo garantijos)coreStrategic or Co-development PartnerPartnership with Lithuanian investment and business guarantees agency to provide business loans under favorable conditions. BnP Finance processes business loans with INVEGA guarantees for SME lending programs.
• AB Neo FinancecoreTechnology or IntegrationSettlement bank for loan disbursements and repayments. Account LT943520058203137959 used for all loan transactions. Partner for payment processing infrastructure.
• UAB Creditinfo LietuvacoreTechnology or IntegrationCredit bureau partnership for creditworthiness assessment and credit history data. Part of Infobankas and credit bureau systems to evaluate borrower eligibility.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Mintos: Latvian-headquartered lending marketplace that distributes consumer loans originated by third parties. Indirect competitor in the Baltic consumer-credit funnel and a potential distribution channel or ecosystem participant rather than a balance-sheet competitor.

Broad incumbents

• Komplett Bank: Norwegian digital challenger bank specializing in unsecured consumer credit. Comparable product type and digital-only origination, but serving a different geography and a broader balance sheet model.
• Bank Norwegian: Nordic digital consumer credit bank offering unsecured personal loans across multiple European markets. Comparable product (unsecured installment) but operates at much larger scale with deposit-funded balance sheet.
• Inbank: Estonian bank with active consumer-lending and POS-financing operations in Lithuania. A broader incumbent that targets overlapping quick-decision consumer credit use cases while also serving merchants and depositors.
• Bigbank: Estonian-headquartered digital bank offering consumer loans and deposits across the Baltics. Overlaps with Bobutės paskola in Lithuanian consumer credit but competes across a much broader product set and benefits from deposit funding.

Emerging players

• Bondora: Estonian consumer and P2P lending platform with growing Baltic retail lending book. Comparable borrower profile and digital-only origination, but operates a marketplace model rather than balance-sheet lending.

Direct peers

• Credit24 (4finance): Sister 4finance brand to Vivus, offering larger-ticket installment loans in Lithuania. Direct competitor for the higher end of Bobutės paskola's ticket-size range (€500–€10,000).
• Vivus (4finance Group): Operates the Vivus brand in Lithuania as part of 4finance Group, offering short-term consumer and quick loans under the same non-bank, online-direct, high-BVKKMN model. Direct head-to-head competitor for Lithuanian quick-credit customers.
• SMScredit: Lithuanian quick-loan provider offering online consumer credit with similar ticket sizes, terms, and target borrower profile. Operates the same digital origination and digital-identity verification flow.
• Svinguoti: Lithuanian consumer credit company offering unsecured online loans in the same size band (€50–€10,000 range). Competes directly with Bobutės paskola for the same working-consumer segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Bobutes.paskola
• LinkedInlinkedin.com/company/bobutes-paskola

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bobutės paskola