Navigate to main page content

Credit line

Cheaper in the Internet Bank
  • We recommend if you plan to use the money in instalments or do not know the exact amount of the final cost (e. g., for home repair);
  • You can submit your credit line application via internet bank;
  • Agreement conclusion fee applied on internet bank is smaller than conclusion fee that is applied in bank branch.

Credit line limit can amount from EUR 1000 to EUR 20 000, but not more than four monthly salaries. The amount you can borrow depends on your net income and any other financial obligations that you may have.

Your income

  • Your income must be at least EUR 500 per month after tax.
  • You must be earning a steady income for at least 6 consecutive months.
  • If the expected source of repayment of the credit is not a salary/wages, the official documents evidencing the receipt of the income will be required. You must submit these documents upon arrival to the bank branch.
  • If you started working for a new employer, your probation period must be over.

Your financial obligations

  • Your monthly expenses for covering your credits do 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;

We would like to note that by the use of 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.

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. If you would like to get more information about the loan conditions or to assess your personal financial situation, you can always consult our specialists by phone 1884.

  • Fixed interest rate. Interest rate is determined individually for each customer depending on the amount of the loan, currency, customer’s credit history, loyalty to the bank.
  • Interest is paid from the outstanding amount used. The customer pays commitment fee (annual amount of commitment fee is 1,2% of unused amount) each month for the portion of limit unused.
  • A one-time agreement administration fee applied in the Internet bank –1,5 % of the amount of the loan, min EUR 30, whereas at a bank branch the fee is 20 EUR higher.

Typical example

If you take out a credit line of EUR 3 000 with an agreement duration of 60 months, a repayment term of 48 months, an average monthly instalment of EUR 83.23 payable on a straight-line basis, a fixed interest rate of 16 % per annum, an agreement administration fee of EUR 45 and a minimum daily service fee set by the bank (EUR 0.70/month), the annual percentage rate of charge on the total cost of the consumer loan would be 18.33 %, with a total repayment by the consumer loan recipient of EUR 4 569.41.

Calculations of the total consumer loan annual percentage rate and the total amount payable by the receiver of the consumer loan are based on the assumptions that the total Loan amount will be paid by the Bank to the Loan receiver on the day of signing the Loan Agreement and this amount is not repaid before the expiry of the Loan Limit, the parties to the Loan Agreement will perform their obligations under the Loan Agreement in accordance with the terms and conditions set out in the Loan Agreement, the annual interest rate, the level of the fees and other costs will remain the same as at the time of the conclusion of the Loan Agreement and will continue to apply until the end of the Loan Agreement.

  • Payments are automatically debited from your “Swedbank” bank account.
  • Upon expiry of period of use of credit limit (after 12 months) and failing to extend it, you will be able to repay the portion of a credit used in repayment term of 48 months. Repayment term depends on the amount of limit used at the beginning of repayment. If the entire limit is used, the repayment term is 4years. If the amount of the limit is smaller, the repayment term is proportionally shorter. During this period you can use credit limit as well.
  • During the period of use (12 months), the customer decides the time and the amount of the repayment of limit used (bank automatically debits only interest for limit used and commitment fee for limit unused). In addition, the amount repaid can be used for other purchases again when necessary.

Please note that 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. We recommend taking care in advance that the amount sufficient for the execution of payments is available in the account.

  1. Submit your loan application via internet bank;
  2. Receive the confirmation of the decision regarding the loan via SMS message or by phone.
  3. Sign loan agreement in Internet bank.
  4. Credit limit will be granted to you immediately after signing the agreement.

We would like to note that the Bank may assess your creditworthiness and take a credit granting decision in automatic manner in case of Home small loan and all Consumer credits (except Car lease). For the purpose of taking the automatic decision the Bank may collect the data about you from different sources (e.g., public registers, financial institutions, Sodra, the Bank of Lithuania, UAB Creditinfo Lietuva). This process can involve the processing of your identification data, contact details, data about your marital status and family structure, links with legal persons, education, employment relations, income, property, financial and other obligations and their fulfilment, as well as other data necessary for the assessment of creditworthiness.If you don’t want that the decision is taken automatically, please specify this in the field of Comments.

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.

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!

How much have you lost by not investing so far?

Get the answer to these and other investment questions every Thursday on the new Investment Guide TV show

More information