Mellenu's consumer lending businesses have served customers across Europe and beyond since launching in Latvia in 2008. Having acquired them from 4finance in May 2026, Mellenu operates a portfolio of market-leading retail lending brands, offering simple, convenient and transparent products to customers who are often underserved by conventional providers.
Digital consumer finance for the way people live today
Mellenu helps millions of customers access fast, convenient and responsible credit through market-leading digital lending brands across Europe and beyond.
Since 2008
Operating heritage
11 countries
Loans provided in markets across Europe and beyond
€11B+
Total loans issued across the group since inception
90%+
Of customers apply via mobile
One of Europe's largest digital consumer lending groups.
Fast, convenient credit powered by technology.
We understand that people sometimes need a convenient loan quickly — to bridge a gap, pay a bill, or make an important purchase. Mellenu provides accessible digital lending products designed around real customer needs.
Building the future of digital consumer finance.
Mellenu combines responsible lending, automation and customer-focused design to make consumer finance faster, simpler and more accessible — for the way people live today.
We are one of Europe’s largest digital consumer lending groups
Mellenu’s consumer lending businesses have served customers across Europe and beyond since it first launched in Latvia, in 2008.
Using a high degree of automation and data-driven insights across the business, Mellenu’s retail brands have issued over €11 billion since inception in single payment loans, instalment loans and minimum-to-pay loans.
In May 2026 Mellenu acquired its retail lending businesses and group assets from 4finance Holding SA.
Mellenu operates a portfolio of market leading brands, through which, as a responsible lender, we offer simple, convenient and transparent products to millions of customers who are typically underserved by conventional providers.
Mellenu has group offices in Luxembourg and currently operates in 11 countries globally.
