4finance | Competitive Intelligence Profile
4finance is a global leader in digital consumer finance, providing fast, convenient, and responsible financial services to people...

4finance is a global leader in digital consumer finance, providing fast, convenient, and responsible financial services to people across 11 countries in Europe. The company offers instalment loans, lines of credit, and single payment loans tailored to customers' needs, driven by leading-edge technology and a talented team.
Website
Size
501-1000 employees
Industry
Financial Services
Specialities
Single payment loan, Line of credit, Instalment loan, info
ποΈ 4finance Product and Pricing News β
π 4finance CEO, Management and Leadership Team β
βοΈ 4finance Alternatives and Competitors β
πΌ 4finance Hiring and Layoffs β
π€ 4finance Developer, Integration and Automation News β
π 4finance Financials, Fundraising and Valuation News β


ποΈ 4finance Product and Pricing News
- 4finance was fined β¬285,000 by the Consumer Rights Protection Centre for unfair commercial practices due to insufficient assessment of consumer liabilities.
- 4finance has relocated its Prague office to Jungmannova 745, 110 00 Praha 1, Czech Republic.
- 4finance focuses on result-oriented employees and simplifying the credit process to meet customer needs.
- On May 1, 2025, Fitch Ratings affirmed 4finance Holding S.A.'s Long- and Short-Term Issuer Default Ratings at 'B' with a stable outlook, highlighting its stable operations in unsecured consumer lending and manageable refinancing risk.
- 4finance Spain is celebrating Book Week with a literary recommendation exchange initiative to promote personal growth and a culture of curiosity and learning.
- Customers report poor service and lack of information from 4finance, with threats of legal action for late payments.
- On March 18, 4finance held a financial literacy session called 'Alternative Finance' at Riga State Gymnasium No. 3, led by Business Analysis and Risk Management Head Rudolf Kreger and Training Department Head Elizabete Eliza Rudzisa, as part of the Bank of Latvia's Money School initiative.
- 4finance operates with brands smscredit.lv, ondo.lv, and vivus.lv.
π 4finance CEO, Management and Leadership Team
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Chief Information Security Officer
[email protected]
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Chief Audit Executive
[email protected]
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Chief Accountant
[email protected]
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CEO
[email protected]
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Chief Accountant
[email protected]
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CEO, 4finance Group
[email protected]
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Regional CFO Baltics & Nordics
[email protected]
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Group CFO
[email protected]
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Finance COO
βοΈ 4finance Alternatives and Competitors
- Creamfinance |
- ID Finance |
- WDFC UK Limited |
- Lenddo |
- LoanLink24 Mortgage |
- Spotcap |
- Bondora |
- GIROMATCH GmbH |
- Raisin |
- WeLab |
- Vendo |
- Easy Money Loan |
- Primero |
- China Rapid Finance |
- ZipLoan |
- Wallets Africa |
- ISSC |
- Nomis Solutions |
- TEMPOE |
- SavvyMoney |
- Snap Capital |
- National Funding |
- OnDeck |
- Curo Financial Technologies |
- Enova International |
- Avant |
- SoFi |
- Wonga |
- Kreditech |
- Prosper |
- LendUp


πΌ 4finance Hiring and Layoffs
- Sanita BΔrziΕa is hiring at 4finance.
- 4finance is hiring, as announced by Sanita BΔrziΕa, Head of Group Reporting and Planning.
- Marlene Garayzar, with over 20 years of experience in the financial sector, has worked at 4finance.
- 4finance is currently seeking a Risk Technology Analyst (Python developer) in Spain.
- Peter Fisher, who previously held a product leadership position at 4finance, has joined Morae as Chief Product Officer.
- 4finance is currently seeking a Senior Accountant in Latvia.
- 4finance is hiring a Dialer Manager for their offices in Riga, Prague, or Madrid, offering a monthly salary up to 3000 EUR gross plus an annual bonus.
π€ 4finance Developer, Integration and Automation News
π 4finance Financials, Fundraising and Valuation News
- Koutalidis Law Firm advised 4finance on the sale of TBI Bank EAD to Advent International.
- 4finance rescheduled the publication of audited full year 2024 results to April 17, 2025, and the first quarter 2025 results to May 20, 2025, with a conference call on May 21, 2025.
- On April 18, 2025, 4finance agreed to sell TBI Bank to Advent, a global private equity investor.
- 4finance reported a strong financial performance for 2024 with a net profit of β¬52.5 million and an Adjusted EBITDA of β¬157.1 million, maintaining a robust balance sheet with β¬79.1 million in cash.
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