https://www.citadele.lv/en/private/autocredit

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Car loan up to 15 000 EUR with no deposit | Bank Citadele
https://www.citadele.lv/en/private/autocredit

Car loan

Up to 15 000 EUR no agreement processing fee 11.04-05.06.2022.*

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Individually calculated offer

Apply online and get an offer within 10 minutes

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Financing up to 15 000 EUR

Sign with a term of up to 7 years and with annual interest rate from 7.9 %*

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Wide options

Purchase with no deposit, collateral or security

Car loan calculator

3000 EUR
15 000 EUR
12 months
84 months
Annual percentage rate (APR): 8.33 %
Agreement fee: 0.00 EUR
Interest rate: 7.90 %
Total amount payable: 10 552.80 EUR
Monthly payment
219.85 EUR
Loan schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

4 steps to your chosen car

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Apply

Fill in an application on the website, mobile app or online bank
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Sign the agreement

Receive the money in your account within a few minutes
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Buy your car

Select any car without age limits
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Register with CSDD

KASKO is not compulsory
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Apply

Fill in an application on the website, mobile app or online bank
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Sign the agreement

Receive the money in your account within a few minutes
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Buy your car

Select any car without age limits
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Register with CSDD

KASKO is not compulsory

Bear in mind!

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After receiving the loan, purchase your car 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.

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Can I repay the consumer credit completely before the due date and do I have to pay a commission for this?

Yes, you can repay the loan fully at any time and free of charge by writing an application into the Internet bank or branch for early repayment.

What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.
To apply for a consumer loan restructuring solution, we invite you to fill in an application here. We evaluate each application individually, and after processing each application, we send our decision by email or SMS. If the decision is affirmative, you will
have to sign a new contract via the online bank, after which your previous obligations will be cancelled.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

Can I get a consumer loan if I have no official income?

The bank is for responsible borrowing, so if you do not have an official income, we will not be able to issue you a consumer loan.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

Can I repay the consumer credit completely before the due date and do I have to pay a commission for this?

Yes, you can repay the loan fully at any time and free of charge by writing an application into the Internet bank or branch for early repayment.

What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.
To apply for a consumer loan restructuring solution, we invite you to fill in an application here. We evaluate each application individually, and after processing each application, we send our decision by email or SMS. If the decision is affirmative, you will
have to sign a new contract via the online bank, after which your previous obligations will be cancelled.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

Can I get a consumer loan if I have no official income?

The bank is for responsible borrowing, so if you do not have an official income, we will not be able to issue you a consumer loan.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

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* Assuming a loan interest rate of 7.9 % per annum, the total amount of the loan is 5000 EUR, of the contract maturity 48 months, contract fee 0 EUR, annual interest rate (GPL) is 8.34 %, the total amount payable by the customer for the loan is 5861.76 EUR, plus the amount due monthly payments amount to 122.12 EUR.