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  1. Private customers
  2. Car loan

Car loan

Loan for car or motorcycle purchase from 3000 up to 25 000 EUR without first instalment and CASCO.

Apply

Individually calculated offer

Apply online, even if you are not a Citadele customer.

Financing up to 25 000 EUR

Receive a car loan offer within 10 minutes.

Wide options

Purchase a vehicle with no deposit, collateral, security and CASCO.

Car loan calculator

3000 EUR
25 000 EUR
18 mēneši
84 months
Annual percentage rate (APR): 11.20 %
Commission fee: 100.00 EUR
Interest rate: 7.90 %
Total loan amount: 5423.86 EUR
Monthly payment
295.77 EUR
Payments schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
Apply

4 steps to your chosen vehicle

Step one.

Apply

Fill in an application on the website, mobile app or online bank.
Step two.

Sign the agreement

Receive the money in your account within a few minutes.
Step three.

Buy your vehicle

Select any vehicle without age limits.
Step four.

Register with CSDD

CASCO is not compulsory.
Step one.

Apply

Fill in an application on the website, mobile app or online bank.
Step two.

Sign the agreement

Receive the money in your account within a few minutes.
Step three.

Buy your vehicle

Select any vehicle without age limits.
Step four.

Register with CSDD

CASCO is not compulsory.

Bear in mind!

After receiving the loan, purchase your vehicle and register it in your name with CSDD within 30 days. We will check the registration automatically, so there is no need to submit your technical pass to Citadele.

Ex-lease assets

All vehicles

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

If serious complications have arisen regarding the repayment of your loan, and you are no longer able to continue making scheduled payments as stipulated in your loan agreement, we offer restructuring for your current loans by signing an agreement on loan repayment.

To apply to restructure your unsecured loan, please fill in an application here. We will evaluate each application individually, and after processing your application we will send our decision to your email address and via SMS. If we decide in the affirmative, you will have to sign a new agreement in the online bank. On signing, your previous agreement is voided.

Monthly payments will be deducted from your Citadele account automatically, so you must ensure that you have sufficient funds in your account on the date the payment is taken.

To purchase your chosen car, you can select one of the loan types we offer: car loan or leasing.

Car loan is suitable for purchasing a used or lightly used car. A deposit and car valuation is not required, and CASCO insurance is not compulsory. After purchasing the car, you must register it with CSDD to your name. You can apply for a car loan here.

Leasing is suitable for purchasing a new or lightly used car. It is available for financing from 5000 EUR and has a lower interest rate than a car loan. When you complete the transaction, the owner in the car’s registration documents is SIA Citadele Leasing, while you are listed as the operator. You can apply for leasing here.

Yes, you can receive an unsecured loan regardless of which bank your monthly wages are paid into, and even if you are not a Citadele customer.

Citadele encourages responsible borrowing, so if you have no official income, we will be unable to issue a loan to you.

Yes, at any time and without additional fees you may repay your loan in full early by submitting an order for the early repayment of your loan through the online bank or at any branch.

If you have a promo code, you can enter it while filling out your loan application. Look for the field “Promo code” during the form process. Type your code into that field and press “Apply” to add it. Make sure to include it at this stage, as it can’t be added afterwards, for example, when signing an agreement.

If serious complications have arisen regarding the repayment of your loan, and you are no longer able to continue making scheduled payments as stipulated in your loan agreement, we offer restructuring for your current loans by signing an agreement on loan repayment.

To apply to restructure your unsecured loan, please fill in an application here. We will evaluate each application individually, and after processing your application we will send our decision to your email address and via SMS. If we decide in the affirmative, you will have to sign a new agreement in the online bank. On signing, your previous agreement is voided.

Monthly payments will be deducted from your Citadele account automatically, so you must ensure that you have sufficient funds in your account on the date the payment is taken.

To purchase your chosen car, you can select one of the loan types we offer: car loan or leasing.

Car loan is suitable for purchasing a used or lightly used car. A deposit and car valuation is not required, and CASCO insurance is not compulsory. After purchasing the car, you must register it with CSDD to your name. You can apply for a car loan here.

Leasing is suitable for purchasing a new or lightly used car. It is available for financing from 5000 EUR and has a lower interest rate than a car loan. When you complete the transaction, the owner in the car’s registration documents is SIA Citadele Leasing, while you are listed as the operator. You can apply for leasing here.

Yes, you can receive an unsecured loan regardless of which bank your monthly wages are paid into, and even if you are not a Citadele customer.

Citadele encourages responsible borrowing, so if you have no official income, we will be unable to issue a loan to you.

Yes, at any time and without additional fees you may repay your loan in full early by submitting an order for the early repayment of your loan through the online bank or at any branch.

If you have a promo code, you can enter it while filling out your loan application. Look for the field “Promo code” during the form process. Type your code into that field and press “Apply” to add it. Make sure to include it at this stage, as it can’t be added afterwards, for example, when signing an agreement.

Car loan

Service Fee
Execution of credit  2% from credit amount (min. 100 EUR)
Execution of amendments:
Change of loan repayment date, repayment account, processing loan grace period, extension of loan issuance Bank’s approvals, permissions and consents related to the property encumbered in favour of the bank 25 EUR per each document
Execution of amendments to the other provisions of the agreement 25 EUR per each document
See full price list

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Example: Assuming that the loan interest rate is 8.9% per year, the total loan amount is 5000 EUR, the loan agreement is for 60 months, the commission fee is 100 EUR, the Annual Percentage Rate (APR) is 10.38%, then the total amount to be repaid by the customer is 6334.00 EUR, and the monthly payment is 103.39 EUR. Borrow responsibly and evaluate your ability to repay the loan.