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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.

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

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.

The maximum loan amount is calculated for a maximum term of 7 years.


Monthly payment

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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.

Prior to making a decision regarding the loan and its amount we recommend thoroughly evaluating your personal and/or family’s financial resources. Not more than 30–40% of monthly income is recommended to be allocated for the monthly payments of all your (family’s) undertaken financial obligations.

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.If you take a consumer loan of EUR 8 000, the duration of the agreement (and the loan repayment term) is 5 years, applying an annual fixed interest rate of 9.9%, paying the minimum daily service fee set by the Bank (EUR 1 per month), 80 EUR contract administration fee, monthly instalments of 171.23 Eur when paying by the annuity method, the total annual rate of the consumer credit price would be 11.27%, and the total amount paid by the consumer credit recipient would be 10 414.54 Eur.

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.

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 €20,000
  • Loan period from 6 months to 7 years
  • Your income should be at least 450EUR/month net of tax (or at least 850EUR/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 60 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. 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.

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.

Your safety and well-being is our priority. Avoid hidden defects when choosing a used car - check the car's crash and mileage history with carVertical.

Find out
Read more Read more

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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Special offer!

With our credit card, all the “oh!” are not so big

A special offer for the Gold credit card till 30 June 2023.

  • Travel insurance for you and family members traveling together.
  • Insurance for losses due to lost, stolen or delayed baggage and injuries while travelling.
  • 180-day purchase insurance for most goods.
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