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Credit line

As of 1 July 2023, applications for a new credit line or an increase in the credit limit are no longer accepted. Existing credit line agreements remain in force under normal conditions.
  • From 1 July 2023, no new credit lines will be issued and no credit limits will be increased.
  • Existing credit line agreements are subject to the same terms and conditions.
  • You can find the right financing service for you here.
  • You can view the interest rates, commitment fee and other charges applicable to your existing credit line agreement(s) by logging into your Internet Bank under My agreements.
  • Interest is charged on the amount drawn and outstanding. The unused part of the limit is subject to a lower monthly interest rate, known as the commitment fee.
  • The fee for changing the terms of the agreement is EUR 30. Changes to the payment date and the acquiring account are free of charge.
  • You can also repay part or all of your credit limit early and free of charge, under the terms and conditions set out in the agreement.

For agreements concluded before 10 August 2015, a renewal fee is charged for the renewal of the credit limit, provided that the credit limit is renewed according to the procedure set out in the agreement.

  • Monthly instalments are automatically debited from your Swedbank account.
  • You can choose and, if necessary, change the day of the month (3, 7, 12, 17, 22 or 27) on which the loan instalments, interest and commitment fee will be debited.
  • At the end of the credit limit period (12 months) and if you do not renew it, you will have to repay the amount used in accordance with the terms and conditions set out in your credit line agreement. The repayment period depends on how much of the credit limit has been used at the start of the repayment. Once the full limit has been used, the repayment period is 48 months for credit line agreements concluded after 10 August 2015 and 36 months for older agreements. If you have not used the full limit, the repayment term will be proportionally shorter.
  • At the time of repayment, the credit limit is reduced (by the amount of the monthly instalment) and the remaining credit limit is available until the end of the agreement.
  • If you are experiencing financial difficulties at the start of repayment (e.g. your monthly payment is too high), please send us a message from your Internet Bank.

Please note that the process of deducting the instalment starts at 17:45 on the payment date specified in the agreement. We recommend that you make sure you have sufficient funds in your bank account in advance to make the payments.

  1. You can view the terms and conditions of your agreement by logging in to your Internet Bank account, under My agreements.
  2. If you wish to change your agreement terms, please register for an appointment at a bank branch at a time convenient to you and submit a request to change your terms. Register here.
  3. To repay the credit early and close the agreement, please pay the used limit by transferring the required amount to your credit line account and send us a message from your Internet Bank on the termination of the agreement.

If you are experiencing financial difficulties when the repayment starts (e.g. your monthly payment is too high), please send us an Internet Bank message.

This is useful when you need money urgently for small purchases. You can get a loan of up to 10 000 EUR without ever leaving your home.

Manage your daily finances in a more effective way, have the benefit of travel insurance and buy on the Internet safely.

Take stock of your financial health and get useful insights and advice.

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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.

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