Picking a consumer loan in Latvia shouldn’t feel like guesswork, and a clear plan can turn a confusing market into a straightforward choice. This guide shows you how to compare APR, fees, and terms so you see the full cost, not just a tempting monthly payment. You’ll learn to model scenarios, spot traps, and align borrowing with your budget goals. Keep reading for practical examples, a simple checklist, and tips that help you negotiate with confidence.