Navigate to main page content
PrivateBusiness

Find the suitable loan

Special offer until 31.10.2021

Choose a loan that suits you best and fulfil your plans

  • Especially favourable conditions for purchasing environmentally friendly cars, solar panels and for house energy efficient renovation.
  • Remote process, quick answer and fast money pay-out.
  • Log-in, fill in application and get a personal offer.

Special offer for small loan, home small loan and car loan.

The special offer is valid from September 13th to October 31st this year.

To see the full table, rotate your device and view in landscape mode.
If you spend 20 000 Eur or more for energy efficient house renovation, we can offer especially good loan conditions. Find out more

Small loan

Car loan

Sustainable choice

Financial lease

Sustainable choice

Operating lease

Home small loan

Mortgage Loan

Home equity loan

Sustainable choice

Solar loan

Sustainable choice

Home Energy Efficiency Loan

Credit card

Study loan

Offer to you - - - - - - - - - - -
Loan purpose

Bigger purchase

Used car or other vehicle

Brand new or little-used car or other vehicle

introOperating

Property purchase or home renovation

Real estate purchase, construction, reconstruction

Remodelling, renovating or buying other properties

Purchase and install solar panels

Increase energy efficiency of private house

Extra money and purchase insurance for Your purchases

Cover study expenses

Monthly payment 0 0 0 0 0 0 0 0 0 Flexible -
Term Flexible -
Down payment - - - - - - - -
Residual value - - - - - - - - - -
Collateral - - Vehicle you want to purchase Vehicle you want to purchase - Residential Real Estate Residential Real Estate - Residential Real Estate - -
Agreement fee 0 0 EUR 0 0 EUR

(1% of the loan amount, min. 95 EUR)

0

(1% of the price of the car, min. 150 EUR)

0

(1% of the price of the car, min. 150 EUR)

0 0 EUR

(1% of the loan amount, min. 95 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

0

(1% of the loan amount, min. 95 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

  • Issue fee is 2 – 5 EUR
  • Monthly fee is 1.44 – 3.47 EUR
No loan document processing fee
Liability insurance Insurance against borrower's unemployment and incapacity for work

 

 

 

 

 

0,6% of the used credit amount

Interest rate From 11.9% From 7.9%
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
From 7.9% Determined individually Determined individually Special offer! Fixed interest rate 4.9% Special offer! Interest starts from 1.99% From 12% 2.9% + 6m Euribor
Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more

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.

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.

Typical example If you applied for a consumer loan amounting to EUR 2 300 with the loan agreement duration (and loan repayment term) of 3 years with the annual flat rate of 15.9 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) as established by the bank; agreement administration fee of EUR 34.50; monthly payments EUR 80.88 using annuity method, then, the total consumer credit annual percentage rate would be 19.39%, and the total amount paid by the Consumer Loan receiver would be EUR 2 971.34. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Loan Agreement will be valid for the entire duration of the Loan Agreement, the total Loan amount will be paid by the Bank to the borrowers on the day of signing the Loan Agreement, the parties to the Loan Agreement will fulfil their obligations arising from the Loan Agreement by respecting the terms and conditions set out therein, the rates and other expenses will remain the same as on the day of concluding the Loan Agreement and will continue to be applied until its expiry.
Annual interest from 11.9% to 22.9%

Typical exampleIf you applied for a consumer loan amounting to EUR 6 400 with the loan agreement duration (and loan repayment term) of 5 years with the annual flat rate of 10.9 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) as established by the bank; agreement administration fee of EUR 64; monthly payments EUR 139.21 using annuity method, then, the total consumer credit annual percentage rate would be 12.39 %, and the total amount paid by the Consumer Loan receiver would be EUR 8 458.62. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Loan Agreement will be valid for the entire duration of the Loan Agreement, the total Loan amount will be paid by the Bank to the borrowers on the day of signing the Loan Agreement, the parties to the Loan Agreement will fulfil their obligations arising from the Loan Agreement by respecting the terms and conditions set out therein, the rates and other expenses will remain the same as on the day of concluding the Loan Agreement and will continue to be applied until its expiry.
Annual interest from 7.9% to 18%

Example of total consumer credit annual percentage rate calculation for leasing (for natural persons who have acquired leased assets for personal, family or household purposes, but not for business or professional purposes): Assumptions: Price of the car selected – 20 000 EUR, contract term – 60 months, advance paid by the Client – 10 percent, financed amount – 18 000 EUR, interest rate – 6 months Euribor (at least 0%) + 2.29% (calculated annual interest rate – 2.29%) ., contract fee – 200 EUR (monthly instalment – 318.49 EUR). In order to receive consumer credit, the Client must have (open) an account with Swedbank, AB, with a set minimum daily services fee of 0.70 EUR per month. The client must also, at his/her own expense, buy insurance for the car at an insurance company acceptable by Swedbank under conditions set out in the agreement (insurance cost is not included in the total consumer credit annual percentage rate). Total consumer credit annual percentage rate is then equal to 2.86 percent, and the total Consumer Loan cost payable a receiver would amount to EUR 19 317.28. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the agreement will be valid for the entire duration of the agreement, the total credit amount will be paid out on the day of signing the agreement, the parties to the agreement will fulfil their obligations arising from the agreement by respecting the terms and conditions set out therein, the annual interest rate, the amount of fees and other charges paid by the Client will remain the same as at the time of concluding the agreement and will continue to be applied until its expiry.

Typical example If you applied for a home small loan amounting to EUR 10 000 with loan agreement duration (and loan repayment term) of 6 years (the number of instalments – 71) with the fixed annual interest rate of 9.9% and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) as established by the Bank; agreement administration fee of EUR 100; monthly payments of EUR 185.33 using annuity method, then, the loan annual percentage rate would be 11.30% and the total amount paid by the loan receiver would be EUR 13 544.15. Calculations of the total loan annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Loan Agreement will be valid for the entire duration of the Loan Agreement, the total Loan amount will be paid by the Bank to the borrowers on the day of signing the Loan Agreement, the parties to the Loan Agreement will fulfil their obligations arising from the Loan Agreement by respecting the terms and conditions set out therein, the rates and other expenses will remain the same as on the day of concluding the Loan Agreement and will continue to be applied until its expiry.
Annual interest from 7.9% to 15 %

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Typical example If you applied for a consumer loan amounting to EUR 6 000 with the loan agreement duration (and loan repayment term) of 6 years with the annual flat rate of 4.9 % and the following applicable fees: a minimum daily services fee (EUR 0.70 per month) as established by the bank; agreement administration fee of EUR 95; monthly payments EUR 96.54 using annuity method, then, the total consumer credit annual percentage rate would be 5.92 %, and the total amount paid by the Consumer Loan receiver would be EUR 7 090.37. The annual percentage rate of the total cost of the consumer loan, the total amount to be paid by the borrower and the amount of the premium have been calculated on the assumptions that the loan agreement will be valid for a term equal to the duration of the loan agreement, that the full amount of the loan will be drawn down on the date of signature of the agreement, that the parties will perform their obligations in full in a satisfactory manner, and that the interest rate, the amount of the fees, and the other costs will be maintained in the same proportion at the moment of the conclusion of the loan agreement, which will remain the same for the duration of the loan agreement.

Example of the calculation of the annual percentage rate of charge for home energy efficiency loan. If the total amount of a home loan being taken out related to real estate is EUR 67,000, when the duration of the credit agreement is 26 years with a 2.3 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 268), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 31.28) and annuity mortgage payments, then the annual percentage rate of charge would be 2.4 per cent, and the total amount paid to the borrower would be EUR 89,758. The total number of loan payments would be 312, and the amount of each instalment would be EUR 286. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of a standard annual percentage rate calculation for credit cards granted credit limit – 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable: credit agreement period of 36 months, credit repayment period of 24 months, monthly amount of the principal of 75 EUR), also fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid, monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be: Fixed payment credit card - 21.7 %, and the total amount paid by the consumer loan receiver would be EUR 1842. Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552. Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627. If you apply for a Mastercard Platinum credit card with granted credit limit – 3000 EUR, when credit agreement period is 42 months, credit repayment period is 4 months, monthly amount of the principal of 750 EUR is paid, also fixed annual credit interest rate of 13% is applied, monthly minimum daily banking fee for private persons as established by the Bank (0.70 EUR per month) is paid, monthly credit card administration fee (16 EUR) and one-time card issuing fee (5 EUR) is paid, then, the total consumer credit annual percentage rate would be 21.14 %, and the total amount paid by the consumer loan receiver would be 4 938.38 Eur. The annual rate of the total consumer credit annual percentage rate and the total amount paid by the consumer loan receiver are calculated assuming that the bank pays the full Loan amount to the receiver on the day of signing the Credit Agreement and this amount is not repaid until the Credit Limit expires. In accordance with the terms and conditions set forth in the Credit Agreement, the credit limit funds will be used for credit card purchases (the most common way of using credit limit funds), the annual interest rate, fees and other expenses will remain the same as at the time of concluding the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Example of the annual percentage rate of charge for student loan. If you were to take out a tuition fee loan of EUR 1,500 for one academic year, when the duration of the credit agreement is 20 years (of which 5 years are a grace period (the 4-year study period plus 12 months after the studies end) and 15 years are the loan repayment term), with an annual interest rate of 2.9%, paying the minimum daily service fee set by the Bank (EUR 0.70 per month), and making monthly instalments according to the linear method (first monthly instalment of EUR 12.75), the annual percentage rate of charge (APRC) would be 3.81%, and the total amount paid by the recipient would be EUR 2215.87. The annual percentage rate of charge and the total amount paid by the recipient are calculated on the assumption that the Credit Agreement will be valid for a period equal to the duration of the Credit Agreement, the Bank will pay out the entire amount of Credit to the Credit recipient on the day that the Credit Agreement is signed, the parties to the Credit Agreement will fulfil all of their obligations arising from the Credit Agreement in accordance with the terms and conditions set forth in the Credit Agreement, and the annual interest rate, fees and other expenses will remain the same as at the time of conclusion of the Credit Agreement and will continue to be applicable until the end of the Credit Agreement.

The Insurance service is provided by Swedbank P&C Insurance AS, acting through the Lithuanian branch, and the insurance agent is „Swedbank”, AB.

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, cause initiation of enforced recovery, and expose you to the loss of title to mortgaged real estate and leased assets. In order to receive financing, it is necessary to have (to open) an account with Swedbank, AB.

Special offer for environmentally friendly cars!

A loan suitable for buying and installing solar panels to produce electricity for your own needs.

A loan suitable for energy efficient solutions in your house.

Expert consultations and tailor-made financing solutions for turning the farm’s plans into reality.

A great solution if you plan to buy a used car.

Special offer for environmentally friendly cars!

  • CASCO insurance will reimburse for your losses.
  • Free technical assistance on the road.

If you are planning to borrow less than 20 000 EUR for home improvement – we recommend taking a look on this loan conditions.

A loan suitable for buying and installing solar panels to produce electricity for your own needs.

A loan suitable for energy efficient solutions in your house.

Swedbank logo

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

Nuo 2021 03 23 nebebus galima jungtis prie „Swedbank“ interneto banko naudojantis naršykle „Internet Explorer“.

Taip pat nebebus galima tvirtinti ar vykdyti mokėjimų iš „Swedbank“ kituose tinklalapiuose naudojantis „Internet Explorer“.

Siūlome Jums naudotis naršyklėmis „Google Chrome“, „Mozilla Firefox“ ar naujausia „Microsoft Edge“ versija. Norėdami sužinoti, kaip įdiegti naršykles spauskite čia.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Swedbank
  • Jūsų įrenginio operacinė sistema ir interneto naršyklė yra pasenusi ir nėra palaikoma Swedbank interneto banke. Prašome atnaujinti operacinę sistemą bei interneto naršyklę arba kreiptis į IT specialistus techninės pagalbos.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

Thank you for the visit!

We hope that Internet bank measured up to your expectations. If you have any comments or proposals, please send them to info@swedbank.lt

For security reasons, please close the browser window!

Try out regular investments!

  • You can start investing from 1 Eur.
  • You‘re free to choose investments’ regularity – weekly, monthly, quarterly.
  • Investment amount can be split to several different funds in a chosen percentage.
  • Automated purchases of funds help you take the emotion out of the investments.

Transactions with Swedbank funds and safekeeping - free of charge. Calculate, how much could you possibly earn with regular investments:

Investments calculator