Car financing

Buy your car right away and repay it gradually

  • Interest from 2.49%Receive the best rate for new cars
  • Convenient repayment deadlineChoose to repay within up to 7 years
  • Various vehiclesReceive a loan for purchasing both cars and motorbikes

Deal for a good car will not wait, so we will help you to buy it right away

  • Car loan up to 15 000 Euro for used cars
  • Leasing from 5 000 Euro for new or slightly used cars 

Loan or leasing?

  Car loan Leasing
Financing between 3 000 and 15 000 Euro from 5 000 Euro and more
Interest rate from 9% from 2.49%
Commission fee 2% (min. 100 Euro) 1.5% (min. 90 Euro)
Repayment period from 12 months to 7 years from 6 months to 6 years
Deposit not needed from 10%
Car age no age restrictions not older than 15 years at the end of the leasing contract
Car valuation not needed needed
Collateral not needed vehicle
KASKO not needed needed

Apply kredītam

* 9% - 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 9% per year, the total loan sum is 5 000 EUR, the contract is valid for 84 months, the application cost is 100 EUR, the Annual Percentage Rate (APR) is 10,21%, the total amount payable by the client is 6882.16 EUR, and the monthly repayment sum is 80,74 EUR

Credit and leasing calculator

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3 000 EUR

15 000 EUR


0 %

10 %

Apply online

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700 EUR

6 300 EUR


10 %

90 %


2.49 %

10 %


350 EUR

6 650 EUR


5 %

95 %

Minimum leasing amount 5 000 EUR

Payment schedule Apply online

Number Payment date Remaining amount Principal amount Interest amount Payment amount

The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.  An example for financial leasing: buying a passenger car for EUR 15 000, the customer's first down payment EUR 1500, i.e. 10% of the purchase price, financing amount - EUR 13500. Leasing interest rate – 2,9% per annum, the APR (annual percentage rate) – 3,7%. Fee for execution of the contract - EUR 225.00. The monthly lease payment with a 60-month repayment period is € 241.98. The total amount to be paid in full term - EUR 16274.12. Calculating the APR, it is assumed that initially determined interest rate is fixed for the entire leasing (finance) the repayment period and the financing is repaid without delays.

How can you receive 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

Apply online

How can you receive leasing?

  • Apply for a consultation on our website, by e-mail or call us. We'll be in contact with you soon
  • Complete the application form on the online bank, home page or in a branch. You can also do this at our partners car dealers
  • Sign the contract and make the first downpayment
  • Register the new vehicle in CSDD and purchase OCTA and KASKO. Good luck on the road ahead!