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Car loan

Have A Great ride with Your New Car!

Car loan is an incredibly convenient and fast solution.

  • No down payment required.
  • Annual interest rate from 7,9 percent.
  • Casco Insurance is recommended, but not mandatory.
  • Money is transferred to the account immediately after the conclusion of the contract.

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.

Find yourself a suitable monthly payment

How much is your loan payment?
Loan period

The calculation is approximate and it is not a commitment to give a credit. Fill in the application and get your personal offer.

Not sure you have chosen the right product?
Preliminary monthly paument
Agreement fee
Application form for contract changes
Considering to choose CASCO insurance? First, you need to evaluate our CASCO benefits and find out the price offered to you. Read more

Do You have any questions?

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Typical example of total credit annual percentage rate calculation

If you applied for a consumer loan amounting to EUR 5 000 with credit agreement duration (and loan repayment term) of 5 years with the annual flat rate of 11 % and the following applicable fees: monthly minimum daily services fee (0.70 EUR per month); agreement administration fee of EUR 50; monthly payments EUR 108.88 using annuity method, then, the total consumer credit annual percentage rate would be 12.58 %, and the total amount paid by the Consumer Loan receiver would be EUR 6 583.32.

Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the Credit Agreement will be valid for the entire duration of the Agreement, the total Credit amount will be paid by the Bank to the borrowers on the day of signing the Credit Agreement, the parties to the Credit Agreement will fulfil their obligations arising from the Credit 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 Credit Agreement and will continue to be applied until its expiry.

Annual interest rate from 7,9 to 18 percent.

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

  • Money is 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 30 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 application in 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 30 days.
  • Loan amount from €3,000 to €20,000
  • Loan period from 6 months to 7 years
  • Your income should be at least 400EUR/month net of tax (or at least 800EUR/month if the loan is taken out with a co-borrower). If you are married, but want to take a loan by oneself, please, indicate that you want to get a personal loan, then filling in the application. If your income is not enough to get such a personal loan, your spouse will have to fill out a co-borrower application, so the bank can assess the 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 30 days after signing the agreement, otherwise fixed yearly interest rate of 18% will be applied to your loan.


  • 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.

  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.

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

Low & average emission
vehicles (mostly hybrid vehicles)

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.

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