Loan consolidation and refinancing

Create your own more convenient payment schedule with a lower monthly repayment 


  • Answer within 15 minutes
  • Loan rate from 7% per year
  • Consolidate up to 3 loans

If you have loans elsewhere

We offer the opportunity to consolidate them for a more convenient payment schedule or lower monthly payments. Find out within a few minutes how much you can borrow and at what interest rate. You can consolidate up to 3 loans - short-term loans from other lenders, credit cards or car payments.

What kind of loans from other lenders can be refinanced and consolidated?

  • Consumer loans
  • Credit cards
  • Car loans and leasing


You can only refinance credit obligations which have been registered in the Bank of Latvia’s Credit Register and whose creditor is a participant in the Bank of Latvia’s Credit Register.

How do I consolidate and refinance my loans?

  • Receive an offer. Find out what amount is available to you at what interest rate within 15 minutes via our online bank or in any of our branches. You can receive an informative quote on our website.
  • Receive financing. Sign a contract with Citadele in-branch or, if you are a client of ours, via the Citadele online bank, and receive your money straight away.
  • The money will come into your Citadele account. Repay your loans with other lenders within 10 days.


Credit calculator

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Previous loan #1


300 EUR

15 000 EUR


10 EUR

1 000 EUR

Choose term


7 %

22.9 %

Maximum refinance amount is 15000 eur

Minimum refinance amount is 1000 eur

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

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