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Personalized loan offers with one application

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SapaFunds

SapaFunds Pay Later — buy now, pay later

Split your payment in installments at over 2500 online and physical stores!

Learn more
User portal

Introducing: user portal

View your latest payments made with SapaFunds. Review active loans and receive loan offers from our partners!

Log in
SapaFunds Pay Later

SapaFunds Pay Later — buy now, pay later

Split your payment in installments at over 2500 online and physical stores!

Learn more
User portal

Introducing: user portal

View your latest payments made with SapaFunds. Review active loans and receive loan offers from our partners!

Log in
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SapaFunds by Citadele — Pay for purchases in online bank

Pay for purchases in online bank

  • A reliable and fast payment method with high security and instant transfers.
  • If you shop online and pay with SapaFunds, agree to save your account number. This way, you can pay faster next time, just by providing your phone number.
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SapaFunds by Citadele — Pay with your card

Pay with your card

  • Comprehensive full-service payment solution in the Baltics, SapaFunds offers convenient and secure card, Apple Pay, Google Pay and Mastercard Clickt o Pay payments.
  • When making a payment in an online store with SapaFunds, you can agree to save your card details. Next time you will be able to pay quickly and easily using only your phone number.
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SapaFunds by Citadele — Split your payment in installments

Split your payment in installments

  • SapaFunds Pay Later payment method allows you to purchase goods and services now, but pay later in installments. It is already available at over 2,500 online and offline stores.
  • In online stores, choose SapaFunds Pay Later payment method. In person, inform the seller that you want to receive the application link in SMS format.
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Discover your loan options

  • SapaFunds offers not only various payment methods for purchases, but also an easy way to compare offers from different lenders at the same time using a loan comparison platform.
  • Apply for a loan up to 25 000 EUR and receive an individually calculated offer from trusted partners. Checking the offers is free!
SapaFunds by Citadele — Discover your loan options
More opportunities with SapaFunds
Get an offer Learn more
SapaFunds by Citadele — User portal — Manage your latest transactions in one place
User portal

Manage your latest transactions in one place

  • New functionality for your convenience. Now on the SapaFunds platform we offer the ability to manage and track your SapaFunds transactions.
  • Log in to the SapaFunds customer portal and make your shopping experience even more enjoyable!
Log in
SapaFunds by Citadele — For businesses: Innovative payment solution for <nobr>e-commerce</nobr>
For businesses

Innovative payment solution for e-commerce

  • Unleash your sales potential and start selling without hassle today!
  • Offer your customers a fast, convenient, and secure shopping experience to increase satisfaction and reduce cart abandonment.
Become a partner Learn more