Consumer loan


Loans that help

The cost of repairs is often bigger than expected which requires extra funds.

  • Answer in the mobile app – within 20 minutes (on working days, 9:00–17:00).
  • Money is transferred to the account immediately after the conclusion of the contract.
  • You can make early repayments.

Special offer! 50% discount on the Small Loan fee.

Offer valid for the Small Loan and the Small Loan for Home between 20.04.2018 and 31.05.2018.

Calculate the monthly payment

Your/family income
Your/family monthly expenses for covering your credits
Loan amount
We cannot grant the requested amount on the basis of indicated data.
We can grant the amount of up to EUR 0 on the basis of indicated data.
Monthly payment
Max. loan amount
The data provided by the calculator is for information only, however it gives you a picture of what could be the size of your monthly payments for consumer credit.
Illness and Unemployment Protection – EUR /month. More

The amount you can borrow depends on your net income and any other financial obligations that you may have.


Your income

  • If you take a loan by yourself, your income must be at least EUR 245 per month after tax.
  • If you take a loan with a co-borrower, total income of a family (co-borrower) must be at least EUR 666 per month after tax.
  • You must be earning a steady income for at least 6 consecutive months.
  • If the expected source of repayment is not a salary/wages, the official documents evidencing the receipt of the income will be required. You must submit these documents upon arrival to the bank branch.
  • If you started working for a new employer, your probation period must be over.

Your financial obligations

  • Your monthly expenses for covering your credits do not exceed 40% of your monthly income;
  • You do not have outstanding credits in “Swedbank” or from other creditors or outstanding bills for different services;

Please note, that by using financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

We would like to note that before deciding to take a loan you should carefully assess your personal and (or) your family’s financial perspectives and possibilities. If you would like to get more information about the loan conditions or to assess your personal financial situation, you can always consult our specialists at the nearest “Swedbank” customer service branch or by phone 1884.

  • Fixed interest rate. Interest rate is determined individually for each customer depending on the amount of the loan, customer’s credit history, loyalty to the bank.
  • Interest is paid from the total outstanding amount of the loan granted.
  • A one-time agreement administration fee applied in the Internet bank – 1.5 % of the amount, min. EUR 30, whereas at a bank branch the fee is 20 Eur higher.

Payments are automatically debited from your “Swedbank” bank account.

You can choose:

  1. When to start repaying the loan:
    • right away (on the same month loan agreement is signed on);
    • on calendar month following the month loan agreement was signed (interest is paid right away);
  2. Day of the month (3, 7, 12, 17, 22 or 27)loan payments must be debited on each month;
  3. Loan maturity term from 5 months to 5 years during which the loan received must be repaid.

Flat rate payments consisting of the amount of interest paid for the last month and loan amount are automatically debited on the day of the month of your choice from your “Swedbank” bank account.

Please note that the process of debiting a borrower’s account with the amount payable under a credit agreement begins at 17:45 on the payment day specified in the agreement. We recommend taking care in advance that the amount sufficient for the execution of payments is available in the account.

  1. Submit your loan application via internet bank;
  2. Receive the confirmation of the decision regarding the loan via SMS message or by phone.
  3. If the amount of the loan is up to EUR 10 000, sign loan agreement on internet bank.
  4. Money will be transferred to you immediately after signing the agreement.

We would like to note that the Bank may assess your creditworthiness and take a credit granting decision in automatic manner in case of Home small loan and all Consumer credits (except Car lease). For the purpose of taking the automatic decision the Bank may collect the data about you from different sources (e.g., public registers, financial institutions, Sodra, the Bank of Lithuania, UAB Creditinfo Lietuva). This process can involve the processing of your identification data, contact details, data about your marital status and family structure, links with legal persons, education, employment relations, income, property, financial and other obligations and their fulfilment, as well as other data necessary for the assessment of creditworthiness.If you don’t want that the decision is taken automatically, please specify this in the field of Comments.

Example of calculation of the annual percentage rate of charge

If you applied for a consumer loan amounting to EUR 3 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 16 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) for natural persons‘ as established by the Bank; agreement administration fee of EUR 45; monthly payments EUR 74 using annuity method, then, the total consumer credit annual percentage rate would be 18.8 %, and the total amount paid by the Consumer Loan receiver would be EUR 4491.

Calculations of the annual percentage rate of charge and the total amount payable by the borrower are based on assumptions that the total credit amount will be disbursed by the Bank to the borrower on the day of signing the credit agreement and that this amount will not be repaid until the end of the credit limit validity term, the parties to the credit agreement will fulfill their obligations arising from the credit agreement in observance of the terms and conditions established therein, the annual interest rate, the amount of fees and other charges will be the same as at the time of concluding the credit agreement and will apply further until the expiration of its validity.

You might also be interested in

We use cookies on this website to enhance your browsing experience. By clicking "Accept" or continuing the browsing session you confirm your consent. You can withdraw your consent at any time by changing the browser settings and deleting the saved cookies. Please read our cookies policy.