From dream to reality

Apply for consumer loan without commission fee using our mobile app till 30.06.

Find out your amount and apply

  • A loan of up to 15,000 Euro
  • Personally calculated loan offer within 5 minutes
  • Low interest rate - from 9% per year

There are dreams that need to become reality

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

What’s the monthly payment?

In Mobile application without commission

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500 EUR

15 000 EUR


9 %

27 %

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

Apply for consumer loan without commission fee using our mobile app till 30.06.

  • Get a loan of between 500 and 15,000 Euro.
  • You will have a personally calculated interest rate - from 9% per year.
  • Choose how quickly to pay back the loan - from 6 months to 5 years.


X Hero or X Platinum credit card

Secured and insured when you travel.

  • Get a credit limit from 150 to 15,000 Euro for your own chosen goal.
  • Low-interest rate - from 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

Get your money and go buy your car!

  • 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 6 months to 7 years.
  • Smile at the potholes, because now you get free KASKO pothole insurance.


* 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 6 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