Consumer loan

A loan for a variety of needs with an interest rate from 9.9% per year.

Apply for a credit

  • Personally calculated loan offer within 5 minutes
  • Low interest rate - from 9.9% per year
  • Without pledge and guarantor

There are dreams that can become a reality

Home renovations, a long-awaited family trip, a car you’ve had your eye on, education for personal growth, a bigger purchase, that you've always wanted - dream carefully, because dreams can come true! Especially if you have more opportunities with a consumer loan, a car loan or credit card. Finding out is simpler than simple, even if you’re not a Citadele client.

Calculate your monthly payment

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1 000 EUR

15 000 EUR


9.9 %

25 %

Maximum monthly payment exceeded


All results are informative and based on approximate calculations. Borrow responsibly with full, regard to your ability to repay the loan.

Consumer loan

  • Get a loan of between 1,000 and 15,000 Euro.
  • You will have a personally calculated interest rate - from 9.9% per year.
  • Choose how quickly to pay back the loan - from 12 months to 5 years.

X Hero or X Platinum credit card

Secured and insured when you travel.

  • Get a credit limit from 250 to 15,000 Euro for your own chosen goal.
  • Low-interest rate - from 9.9% per year. Only pay interest on what you use
  • Pay back what you’ve spent in the way that’s most convenient to you - all at once or gradually. Up to 45 days interest-free.
  • Worldwide travel insurance and purchase protection.
  • Earn prizes for each purchase and get discounts through the prize and discount programme unique to X cards - X REWARDS.


Car loans

  • Receive your money before buying the car. We will transfer the money to your account 15 minutes after signing the contract.
  • A low-interest rate from 7%* per year. Register your car with the CSDD within 30 days of receiving your loan.
  • No deposit.
  • No car age limit, no collateral, car valuation and KASKO.
  • Choose how quickly to pay back the loan - from 12 months to 5 years.


* 7% - lowest possible loan interest rate for clients who have their wages paid into a Citadele account and who register the car they buy with CSDD within 30 days of signing the loan contract. Assuming the loan interest rate is 7% per year, the total loan sum is 5,000 EUR, the contract is valid for 84 months, the application cost is 125 EUR, the Annual Percentage Rate (APR) is 8.17%, the total amount payable by the client is 6479.60 EUR, and the monthly repayment sum is 75.65 EUR.

Your opportunities

  • Fill in the credit rating evaluation form and receive your evaluation and offer straight away.
  • If you are already a Citadele client, you will receive your precise offer on the online bank. Apply for a loan right there and the money will be in your account straight away.
  • If you are the client of another bank, the money will be paid into your Citadele account within 15 minutes of signing the contract.
  • To borrow, you must be at least 18 years of age, and your monthly income must be at least 350 EUR after taxes.

Find out now

If you have a loan somewhere else

Maybe we can offer better repayment conditions?

  • We offer loan refinancing - if you have one to three loans elsewhere, they can be combined into one loan with a lower interest rate.
  • The decision about loan refinancing will be ready in approximately 5 minutes.
  • Repay in between 12 months and 5 years with one monthly payment.

Find out more (In Latvian)

How to receive consumer loan?

  • Find out your credit rating to receive an offer. Apply on the online bank, our website or at one of our branches.
  • Choose your loan type - consumer loan, car loan or X credit card with the credit limit.
  • Current clients can apply through our online bank. We will ask new clients to sign the contract at one of our branches.

Get an offer

Find out your credit rating

  • Take five minutes to find out your creditworthiness. Find out in a short moment how much we will lend you at what interest rate.
  • Borrow up to 15,000 Euro. The better your credit rating, the better the terms of the loan.
  • Choose how you receive your money - as a consumer loan or a credit limit on an X credit card.

Find out now

If you’re planning to renovate…

  • Loans are also available for renovating your home.
  • With our renovations calculator, you can find out the approximate costs for your planned renovation in seconds.

Find out your renovation costs (In Latvian)

More opportunities

  • Leasing

    Leasing - up to 95% of the value of your vehicle.

    Find out more

  • Mortgage loans

    We can finance up to 95% of the value of your home. Interest rate from 1.8% per year.

    Find out more

  • X credit cards

    The first 6 months are free. Credit limit up to 15,000 Euro. Prizes and discounts. Travel insurance and purchase protection worldwide.

    Find out more