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Car loan

Special offer!

Have A Great ride with Your New Car!

Special offer! Loan agreement administration fee – EUR 0

  • No down payment required.
  • Casco Insurance is recommended, but not mandatory.
  • Money is transferred to the account immediately after the conclusion of the contract.
Fill in application

The administration fee offer is valid for applications submitted from 01.05.2025 to 31.05.2025.

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.

Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

Car loan calculator

Preliminary monthly payment

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Insurance against borrower's unemployment and incapacity for work helps you to pay the monthly loan payments, if for more than 30 days you:

  • unexpectedly lose your job
  • stay on sick leave due to your or your child‘s illness

The insurance agreement can be concluded only 30 days after signing the loan agreement.
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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 loan. The result of the calculator is provisional and does not constitute a commitment by the bank to grant credit.

The insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through its representative Swedbank, AB.

 Regular net monthly income at least €550, with a co-borrower (family) at least 1000€. Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too. Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.
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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 loan. The result of the calculator is provisional and does not constitute a commitment by the bank to grant credit.

The improper fulfilment of financial obligations results in an increase of your financial costs and may negatively impact your credit history. If the agreement is terminated as a result of your serious breach, you may face enforced debt recovery and may lose not only the made payments but also the right to financed property.

A typical example

If you take a home small loan in the amount of EUR 8 000, with the duration of the loan agreement (and maturity) being 5 years, the annual fixed interest rate being 9.9%, paying the fixed minimum bank’s fee for everyday services (EUR 1/month), an agreement administration fee of EUR 0, and making monthly payments of EUR 172,45 by annuity, the annual percentage rate of charge (APRC) would be 10.80%, and the total amount paid by the borrower would be EUR 10 234,36.

Annual interest from 7.9% to 16.9 %. The interest rate has been set with a discount that might be cancelled and the annual fixed interest rate of 18% may be set if the loan is not used according to its purpose, which may result in a bigger APR.

Car loan is a convenient solution, if you are looking for a used car, motorcycle or any other type of vehicle.

  • Money will be transferred to your account immediately after signing the agreement in the internet bank. Vehicle must be registered in the name of the borrower in SE Regitra vehicle register within 60 days after signing the agreement. Thereafter, the car belongs to you and you will not need to inform the bank once you decide to sell it.
  • Car valutation is not required.
  • Casco insurance is recommended, but not mandatory.
  • Possibility of early loan repayment early without any additional charges.
  1. Fill in the applicationin the internet bank.
  2. We will inform you about the decision by phone, a text message or an internet bank message.
  3. Sign the contract in the internet bank. Money will be transferred to your current account within a matter of minutes.
  4. Congratulations! You will soon be the owner of a car. Register the car in your name in 60 days.
  • Loan amount from €3,000 to €30,000
  • Loan period from 6 months to 7 years
  • Before deciding on a loan and its size, we recommend carefully evaluating personal and/or family financial capabilities. It is recommended that you allocate no more than 30-40% of your income per month to the monthly payments of all your (family's) existing financial obligations.
  • Your income should be at least 550 EUR/month net of tax (or at least 1000 EUR/month if the loan is taken out with a co-borrower). If you take a loan exceeding 20 000 EUR, your income should be at least 1600 EUR/ month net of tax (or at least 2400 EUR /month if the loan is taken out with a co-borrower).
  • If you are married but want to take out a loan on your own, please indicate that you are applying for a personal loan when filling out the application. If your income is not sufficient to qualify for the loan, your spouse will need to complete a co-borrower application so the bank can assess your family ‘s creditworthiness.
  • You must receive your income regularly for at least 6 months in a row and you must have completed a trial period.
  • Your (family) monthly spending on existing financial commitments should not exceed 40% of your monthly income.
  • You need to have a Swedbank account where we could transfer the loan amount. This account is subject to service fees that you can view at bank charges.

Note! Vehicle must be registered in the name of the borrower in SE Regitra vehicle register within 60 days after signing the agreement, otherwise fixed yearly interest rate of 18% will be applied to your loan.

Fees

  • Fixed yearly Interest rate from 7,9 to 18 %, depending on the loan amount and your credit histoy.
  • A one-time fixed agreement administration fee – 1 % from the amount of the loan (minimum fee – EUR 50).

Changes to The Loan Contract

With the self-service feature, you can:

  • change the payment date;
  • change the payment account;
  • make partial payments or fully redeem your assets early without any additional charges.

Your car can be a step towards to a more sustainable lifestyle

Did you know that transport is responsible for 30% of the total CO2 emissions? But car industry is also bringing lots of new possibilities. Eco-friendly cars are not only better for the environment, they also tend to have lower ownership costs. Take an eco-friendly step for the benefit of all – choose a hybrid or electric car.
  1. Choosing electric, hybrid or other low CO2 emission car is your chance to be more environment friendly. We have special leasing offer for eco-friendly cars.
  2. Carpooling can reduce your environmental footprint by 3-4 times. Start small - give a ride to a colleague and try to do carpooling as often as you can.
  3. Walk, bike or use public transportation when possible. By the way, 30 minutes of fast-paced walk a day is a good workout and a great mood booster.

When buying a new car, bring your attention to the fuel economy and environmental labels – they indicate how much CO2 emissions your car produces.

Leasing of low-emission and zero-emission vehicles

Zero & low emission
vehicles (electric, plug-in vehicles)

Leasing of low and moderately-emission vehicles for companies

Low & average emission
vehicles (mostly hybrid vehicles)

Vehicles with diesel or gasoline engines are moderately to highly polluting

Average & high emission
vehicles (diesel, petrol vehicles)

Calculate how much carbon footprint does your transport choice create monthly?
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Calculator's methodology based on ClimateCare.

Suitable for buying a new or a more expensive used car.

Vehicle (Casco) insurance will cover the damage caused to you in the accidents where your vehicle was damaged.

Insure your car in just a few minutes and get 10 free roadside assistance services.
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Choose driving instead of repairing

If you are planning to buy a used car, you can apply for a car loan. Now with a special offer!

Contacts

„Swedbank”, AB
Konstitucijos pr. 20A, 09321 Vilnius, Lithuania
SWIFT code: HABALT22
Legal entity code: 112029651

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This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.