Navigate to main page content
Become a customer

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.
  • Annual interest rate from 11,9 percent.
  • Money is transferred to the account immediately after the conclusion of the contract.
  • It is possible to make early repayments without any additional fees.

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

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 5 years.


Monthly payment

  • 0
  • 0
  • 0
  • 0
  • 0
  • 0
  • 0
  • 0 0.00

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.

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 take a consumer loan in the amount of EUR 2 500, with the duration of the agreement (and the maturity) being 3 years, the annual fixed interest rate being 15.9%, 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 91,12 by annuity, the annual percentage rate of charge (APRC) would be 18.26%, and the total amount paid by the borrower would be EUR 3 225.If you applied for a consumer loan amounting to EUR 2 500 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 1 per month) as established by the bank; agreement administration fee of EUR 37.50; monthly payments EUR 91.08 using annuity method, then, the total consumer credit annual percentage rate would be 19.55%, and the total amount paid by the Consumer Loan receiver would be EUR 3 261.24.

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%

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 400 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 850 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.

Responsible consumption is your choice for sustainable living

Every object we purchase has it’s own environmental footprint – based on how and from what materials it is produced, transported and discarded after being used. Many people are turning to mindful consumption and looking for solutions that are more sustainable for both planet and ourselves. Join them and take a sustainable step for the good of all!

  1. Sharing economy is a great way to satisfy our needs without buying excess stuff. It can also help you save money on maintenance.
  2. Reduce, Reuse, Recycle. For a more mindful consumption - try this: reduce unnecessary consumption, reuse what you can and recycle what you can’t.
  3. Renewable energy is one of the main drivers to tackle climate change. Having your own solar power plant is a great choice for a more sustainable lifestyle. Check out our special offer!
Sustainable products are marked with various special labels. Check them out to make a more sustainable choice when shopping.

European Union energy label

Source: European Commission

Certified B Corporation

Source: Certified B Corporation

EU Ecolabel

Source: European Commission

Household impact calculator

Click on the household's appliances and find out how much you can save while choosing more energy efficient devices.

Sustainable appliances

Yearly electricity costs

  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0

Calculations based on the average energy consumption of high/low-efficiency appliances, and electricity price of 0.149 EUR/kWh. Energy-efficient appliances may require a bigger investment at the start but they give back to energy & environment savings.

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


Extra money with an interest-free period, complimentary purchase and travel insurance.

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.

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.

  • 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

For security reasons, please close the browser window!
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.
  • No commission fee for cash withdrawal up to EUR 500 per month worldwide.