Car loan

Loan for purchasing a car without down payment


  • Between 1,000 and 15,000 Euro
  • Decision in 10 minutes
  • Repay within up to 7 years

Plan on purchasing a car?

A good car doesn’t wait around, so we’ll help you buy it straight away. You can pay it off over a longer period of time.

  • No deposit, collateral, car age limit, valuation or KASKO.
  • Receive the money in your account as soon as you sign the contract and repay within up to 7 years.
  • Interest rate from 7%* per year


* 7% - lowest possible loan interest rate per year for clients whose wages are paid into a Citadele account and who register their car with CSDD within 30 days of signing their contract. If the loan interest rate is 7% per year, the total loan sum is 5,000 EUR, the contract length is 84 months, the contract application fee is 125 EUR, and the Annual Percentage Rate (APR) is 8.17%, then the total sum to be paid by the client for the loan is 6,479.60 EUR, and monthly payments are 75.65 EUR.

Car loan calculator

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3 000 EUR

15 000 EUR


7 %

18 %

Maximum monthly payment exceeded

How do I apply for a car loan?

  • Fill in a credit rating application online or in-branch
  • Apply for the loan through the online bank or mobile app and receive the money straight away
  • If you are not a Citadele client, sign the contract at a Citadele branch, and we will pay you your money as soon as you sign
  • After receiving your financing, find your dream car and register it to your name with CSDD within 30 days of applying for your car loan


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