Consumer loan

Loans that help

A small loan is a great solution if you need to renovate your home, buy new furniture for the terrace, repair your car or to finance your next big thing.

  • Borrow from 500 up to 20 000 € without collateral.
  • Money is transferred to the account immediately after the conclusion of the contract.
  • It is possible to make early repayments without any additional fees.
Fill in application

It takes only 1-2 minutes to fill loan application.

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.

Calculate your loan possibilities

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
Agreement fee
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Application form for contract changes

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

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.

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.

Annual interest rate from 11,9 to 22,9 percent. Repayment term from 6 to 60 months.

Small loan can help fulfil your different plans: from planned home improvement until unexpected expenses coverage (e.g. car repairing).

We provide Small loans from 500 to 20 000 EUR. The amount you can borrow depends on your net income and any other financial obligations that you may have.

  • You will receive the confirmation of decision by phone, via SMS or internet bank message.
  • We will transfer money to your account immediately after the conclusion of small loan agreement in internet bank or "Swedbank" app.
  1. Fill out the consumer credit application on the internet banking or "Swedbank" app.
  2. We will inform you about the decision by phone, via SMS or internet bank message.
  3. You can get acquainted with the terms of the agreement in the Standard credit information provided via the Internet bank.
  4. If the conditions are acceptable to you, sign the agreement in the Internet bank or "Swedbank" app.
  5. We will transfer money to your account immediately after the agreement has been signed.


  • If you take a loan by yourself*, your income must be at least 350 EUR per month after tax.
  • If you take a loan with a co-borrower, total income of a family (co-borrower) must be at least 700 EUR per month after tax.
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over.


  • Monthly expenses for covering your credits must 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.
  • Be ready to submit the the official documents evidencing the receipt of the income if the expected source of repayment is not a salary/wages.
*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.
  • Fixed interest rates 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 and APP – 1,5 % of the amount, min. 30 EUR, whereas at a bank branch the fee is 20 EUR higher.
  • You should have active "Swedbank" account. All information about handling of accounts fees is published on bank fees section.
  • 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 (3, 7, 12, 17, 22 or 27) from your “Swedbank” bank account.
  • 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. Make sure you have sufficient funds available in the account.
  • Loan maturity term from 6 months to 5 years during which the loan received must be repaid. You can prematurely repay the loan (either fully or partially) without any additional fees.

If you are planning to borrow more than 5000 EUR for home improvement - we recommend taking a look on this loan conditions.

Especially worth pay by credit card for expensive purchases because for most of them is valid purchases insurance. Credit card will be useful as well if you need extra money in small amounts for short time.

Convenient solution, if you are looking for a used car, motorcycle or any other type of vehicle.

Applicable for purchasing and installing solar panels by yourself as well as for purchasing already installed remote solar panels.