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Choose a loan that suits you best and fulfil your plans

  • Especially favourable conditions for purchasing environmentally friendly cars, solar panels and for house energy efficient renovation.
  • Remote process, quick answer and fast money pay-out.
  • Log-in, fill in application and get a personal offer.

Special offer for Revolving and Gold Credit Cards until 30-09-2022.

Special offer for The Home small loan, small loan and car loan agreement fee!*

*The agreement fee offer is valid for applications that are submitted from 2022.09.12 to 2022.10.31.

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If you spend 20 000 Eur or more for energy efficient house renovation, we can offer especially good loan conditions. Find out more If you spend 3 000 Eur or more for car purchase, we can offer especially good Car loan conditions. Find out more If you spend 8 000 Eur or more for car purchase, we can offer especially good Car lease conditions. Find out more
Special offer!

Small loan

Special offer!

Car loan

Sustainable choice

Financial lease

Sustainable choice

Operating lease

Special offer!

Home small loan

Mortgage Loan

Home equity loan

Sustainable choice

Solar loan

Sustainable choice

Home Energy Efficiency Loan

Special offer!

Credit card

Study loan

Offer to you - - - - - - - - - - -
Loan purpose

Bigger purchase

Used car or other vehicle

Brand new or little-used car or other vehicle

introOperating

Property purchase or home renovation

Real estate purchase, construction, reconstruction

Remodelling, renovating or buying other properties

For the purchase or installation of a solar power plant, heat pump and wind turbine.

Increase energy efficiency of private house

Extra money and purchase insurance for Your purchases

Cover study expenses

Monthly payment 0 0 0 0 0 0 0 0 0 Flexible -
Term Flexible -
Down payment - - - - - - - -
Residual value - - - - - - - - - -
Collateral - - Vehicle you want to purchase Vehicle you want to purchase - Residential Real Estate Residential Real Estate - Residential Real Estate - -
Owner Customer Customer Swedbank (user: customer) Swedbank (user: customer) - - - - - - -
Agreement fee 0 0

(1.5% of the amount, min. EUR 30)

0 0

(1% of the loan amount, min. 95 EUR)

0

(1% of the price of the car, min. 200 EUR)

0

(1% of the price of the car, min. 200 EUR)

0 0

(1% of the loan amount, min. 95 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

0

(1% of the loan amount, min. 95 EUR)

0

(0.4% of the loan amount, min. 180 EUR)

  • Issue fee is 2 – 5 EUR 0 EUR
  • Monthly fee is 1.44 – 3.47 EUR 0 EUR
No loan document processing fee
CASCO insurance When choosing CASCO check our offers. More information on Swedbank CASCO benefits and price is available here. Recommended Recommended Mandatory Mandatory - - - - - - -
Liability insurance Insurance against borrower's unemployment and incapacity for work

 

 

 

 

 

 

 

0,6% of the used credit amount

Interest rate From 11.9% From 7.9%
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
From 7.9% Determined individually Determined individually Special offer! Fixed interest rate 4.9% Special offer! Interest starts from 1.99% From 12% 2.9% + 6m Euribor
Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more

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.

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 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%
A typical example of the calculation of the annual percentage rate of charge
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.
Typical example 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%

A typical example 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. A typical example of the calculation of the annual percentage rate of charge
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.
A typical example 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.

Example of total consumer credit annual percentage rate calculation for leasing (for natural persons who have acquired leased assets for personal, family or household purposes, but not for business or professional purposes): Assumptions: Price of the car selected – 20 000 EUR, contract term – 60 months, advance paid by the Client – 10 percent, financed amount – 18 000 EUR, interest rate – 6 months Euribor (at least 0%) + 2.29% (calculated annual interest rate – 2.29%) ., contract fee – 200 EUR (monthly instalment – 318.49 EUR). In order to receive consumer credit, the Client must have (open) an account with Swedbank, AB, with a set minimum daily services fee of 0.70 EUR per month. The client must also, at his/her own expense, buy insurance for the car at an insurance company acceptable by Swedbank under conditions set out in the agreement (insurance cost is not included in the total consumer credit annual percentage rate). Total consumer credit annual percentage rate is then equal to 2.86 percent, and the total Consumer Loan cost payable a receiver would amount to EUR 19 317.28. Calculations of the total consumer credit annual percentage rate and the total amount payable by the borrower are based on the assumptions that the agreement will be valid for the entire duration of the agreement, the total credit amount will be paid out on the day of signing the agreement, the parties to the agreement will fulfil their obligations arising from the agreement by respecting the terms and conditions set out therein, the annual interest rate, the amount of fees and other charges paid by the Client will remain the same as at the time of concluding the agreement and will continue to be applied until its expiry.

Typical example If you applied for a home small loan amounting to EUR 12 000 with loan agreement duration (and loan repayment term) of 7 years (the number of instalments – 83) with the fixed annual interest rate of 8.9% and the following applicable fees: a minimum daily services fee (EUR 1 per month) as established by the Bank; agreement administration fee of EUR 120; monthly payments of EUR 194.36 using annuity method, then, the loan annual percentage rate would be 9.94% and the total amount paid by the loan receiver would be EUR 16 530.35. Calculations of the total loan 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 7.9% to 15 %
A typical example of the calculation of the annual percentage rate of charge
If you take a home small loan in the amount of EUR 12 000, with the duration of the loan agreement (and maturity) being 7 years (83 payments in total), the annual fixed interest rate being 8.9%, 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 195 by annuity, the annual percentage rate of charge (APRC) would be 9.59%, and the total amount paid by the borrower would be EUR 16 374,88.
Typical example If you applied for a home small loan amounting to EUR 12 000 with loan agreement duration (and loan repayment term) of 7 years (the number of instalments – 83) with the fixed annual interest rate of 8.9% and the following applicable fees: a minimum daily services fee (EUR 1 per month) as established by the Bank; agreement administration fee of EUR 120; monthly payments of EUR 194.36 using annuity method, then, the loan annual percentage rate would be 9.94% and the total amount paid by the loan receiver would be EUR 16 530.35. Calculations of the total loan 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 7.9% to 15 %

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a real estate mortgage loan is EUR 89 000, with a loan agreement term of 26 years, at a variable annual interest rate of 2.06%, with a one-off agreement administration fee of 0.4% of the loan amount (EUR 356), a minimum daily service fee (EUR 1 per month), a mortgage registration fee (EUR 8.60), and with the mortgage repayments made by annuity, the annual rate of the total cost of the loan is 2.50%., and the total amount payable by the borrower would be EUR 120 470.35. The total number of repayments is 312 and the repayment amount is EUR 383.96. The annual percentage rate of charge, the total amount payable by the borrower, the total number of instalments and the amount of the repayment are calculated on the assumptions that the loan agreement will have a term equal to the duration of the loan agreement, that the full amount of the loan will be drawn down on the date of signature of the agreement, that the parties will fulfil their obligations in full and in good faith and that the variable rate of interest, the level of fees and other costs will remain the same as at the time of conclusion of the loan agreement and will continue to apply until the end of the loan agreement. In addition, the customer will incur property insurance and valuation costs, which depend on the individual characteristics of the mortgaged property and are therefore not included in the total cost of the loan in the above example.

Example of calculation of the annual percentage rate of charge for mortgage. If the total amount of a real estate mortgage loan is EUR 89 000, with a loan agreement term of 26 years, at a variable annual interest rate of 2.06%, with a one-off agreement administration fee of 0.4% of the loan amount (EUR 356), a minimum daily service fee (EUR 1 per month), a mortgage registration fee (EUR 8.60), and with the mortgage repayments made by annuity, the annual rate of the total cost of the loan is 2.50%., and the total amount payable by the borrower would be EUR 120 470.35. The total number of repayments is 312 and the repayment amount is EUR 383.96. The annual percentage rate of charge, the total amount payable by the borrower, the total number of instalments and the amount of the repayment are calculated on the assumptions that the loan agreement will have a term equal to the duration of the loan agreement, that the full amount of the loan will be drawn down on the date of signature of the agreement, that the parties will fulfil their obligations in full and in good faith and that the variable rate of interest, the level of fees and other costs will remain the same as at the time of conclusion of the loan agreement and will continue to apply until the end of the loan agreement. In addition, the customer will incur property insurance and valuation costs, which depend on the individual characteristics of the mortgaged property and are therefore not included in the total cost of the loan in the above example.

Typical example If you applied for a consumer loan amounting to EUR 8 000 with the loan agreement duration (and loan repayment term) of 7 years with the annual flat rate of 4.9 % and the following applicable fees: a minimum daily services fee (EUR 1 per month) as established by the bank; agreement administration fee of EUR 95; monthly payments EUR 114.54 using annuity method, then, the total consumer credit annual percentage rate would be 5.74 %, and the total amount paid by the Consumer Loan receiver would be EUR 9 685.15. The annual percentage rate of the total cost of the consumer loan, the total amount to be paid by the borrower and the amount of the premium have been calculated on the assumptions that the loan agreement will be valid for a term equal to the duration of the loan agreement, that the full amount of the loan will be drawn down on the date of signature of the agreement, that the parties will perform their obligations in full in a satisfactory manner, and that the interest rate, the amount of the fees, and the other costs will be maintained in the same proportion at the moment of the conclusion of the loan agreement, which will remain the same for the duration of the loan agreement.

Example of the calculation of the annual percentage rate of charge for home energy efficiency loan. If the total amount of a home loan being taken out related to real estate is EUR 78,000, when the duration of the credit agreement is 26 years with a 2.06 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 312), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 8.60) and annuity mortgage payments, then the annual percentage rate of charge would be 2.16 per cent, and the total amount paid to the borrower would be EUR 101,672. The total number of loan payments would be 312, and the amount of each instalment would be EUR 324. The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above. The loan must be secured by mortgage of real estate acceptable to the bank.

Example of a standard annual percentage rate calculation for credit cards granted credit limit – 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable: credit agreement period of 36 months, credit repayment period of 24 months, monthly amount of the principal of 75 EUR), also fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid, monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be: Fixed payment credit card - 21.7 %, and the total amount paid by the consumer loan receiver would be EUR 1842. Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552. Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627. If you apply for a Mastercard Platinum credit card with granted credit limit – 3000 EUR, when credit agreement period is 42 months, credit repayment period is 4 months, monthly amount of the principal of 750 EUR is paid, also fixed annual credit interest rate of 13% is applied, monthly minimum daily banking fee for private persons as established by the Bank (0.70 EUR per month) is paid, monthly credit card administration fee (16 EUR) and one-time card issuing fee (5 EUR) is paid, then, the total consumer credit annual percentage rate would be 21.14 %, and the total amount paid by the consumer loan receiver would be 4 938.38 Eur. The annual rate of the total consumer credit annual percentage rate and the total amount paid by the consumer loan receiver are calculated assuming that the bank pays the full Loan amount to the receiver on the day of signing the Credit Agreement and this amount is not repaid until the Credit Limit expires. In accordance with the terms and conditions set forth in the Credit Agreement, the credit limit funds will be used for credit card purchases (the most common way of using credit limit funds), the annual interest rate, fees and other expenses will remain the same as at the time of concluding the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Example of the annual percentage rate of charge for student loan. If you were to take out a tuition fee loan of EUR 1,500 for one academic year, when the duration of the credit agreement is 20 years (of which 5 years are a grace period (the 4-year study period plus 12 months after the studies end) and 15 years are the loan repayment term), with an annual interest rate of 2.9%, paying the minimum daily service fee set by the Bank (EUR 0.70 per month), and making monthly instalments according to the linear method (first monthly instalment of EUR 12.75), the annual percentage rate of charge (APRC) would be 3.81%, and the total amount paid by the recipient would be EUR 2215.87. The annual percentage rate of charge and the total amount paid by the recipient are calculated on the assumption that the Credit Agreement will be valid for a period equal to the duration of the Credit Agreement, the Bank will pay out the entire amount of Credit to the Credit recipient on the day that the Credit Agreement is signed, the parties to the Credit Agreement will fulfil all of their obligations arising from the Credit Agreement in accordance with the terms and conditions set forth in the Credit Agreement, and the annual interest rate, fees and other expenses will remain the same as at the time of conclusion of the Credit Agreement and will continue to be applicable until the end of the Credit Agreement.

The Insurance service is provided by Swedbank P&C Insurance AS, acting through the Lithuanian branch, and the insurance agent is „Swedbank”, AB.

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, cause initiation of enforced recovery, and expose you to the loss of title to mortgaged real estate and leased assets. In order to receive financing, it is necessary to have (to open) an account with Swedbank, AB.

Special offer for environmentally friendly cars!

The loan is for the purchase or installation of a solar power plant, a heat pump and a wind turbine.

A loan suitable for energy efficient solutions in your house.

Expert consultations and tailor-made financing solutions for turning the farm’s plans into reality.

Special offer

A great solution if you plan to buy a used car.

Special offer for environmentally friendly cars!

  • CASCO insurance will reimburse for your losses.
  • Free technical assistance on the road.
Special offer

If you are planning to borrow less than 20 000 EUR for home improvement – we recommend taking a look on this loan conditions.

The loan is for the purchase or installation of a solar power plant, a heat pump and a wind turbine.

A loan suitable for energy efficient solutions in your house.

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Special offer!

Credit card - for your shopping, traveling and everyday needs

A special offer for Gold revolving and Revolving credit cards until 30 September.

  • Credit limit from €300.
  • Travel insurance for you and family members traveling together.
  • 180-day purchase insurance for most goods.
  • Interest-free period.