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  2. Consumer loan

Consumer loan

Loan commission fee 0 EUR with promo code CITADELE until 21.09.2025.1

Special offer!
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Individually-calculated offer

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

Financing up to 25 000 EUR

Receive a consumer loan offer within 10 minutes.

Wide options

Process remotely and receive the money in your account within a few minutes.

Special offer!

Loan without commission fee!

Until 21.09.2025 loan commission fee 0 EUR with the promo code CITADELE.1 Apply the code to your loan application and get the discount.

Apply

Consumer loan calculator

200 EUR
25 000 EUR
18 mēneši
84 months
Annual percentage rate (APR): 15.68 %
Commission fee: 100.00 EUR
Interest rate: 7.80 %
Total loan amount: 2227.96 EUR
Monthly payment
118.22 EUR
Payments schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
Apply
Man enjoys coffee at his home while looking at laptop.

Apply and process remotely

Apply online, even if you are not a Citadele customer. Conveniently process the loan agreement through the mobile app and receive the money in your account within a few minutes.2

Apply
From 1000 to 25 000 EUR

Consumer loan

Loan for various goals with a term of up to 84 months and individually-calculated interest rate. Until 21.09.2025 without commission fee with promo code CITADELE.1

  • New household appliances.
  • Car repair.
  • Education.
  • For other purposes.
Apply Apply via Citadele app
From 200 to 1000 EUR

Small consumer loan

With a term of up to 36 months and individually-calculated interest rate. Until 21.09.2025 without commission fee with promo code CITADELE.3

Apply

Need help?

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

Will my monthly loan payments be deducted automatically?

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.

What should I do if, for serious reasons, I am having difficulty making payments on an unsecured loan?

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.

Can I receive a loan if my income is paid into a different bank account?

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.

Car loan or leasing: which should I choose?

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.

Can I repay my loan early, and does this come at an additional cost?

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.

Can I receive a loan if I have no official income?

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

How get the loan?

Apply for a loan through our website, online bank or mobile app.

More questions
Will my monthly loan payments be deducted automatically?

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.

What should I do if, for serious reasons, I am having difficulty making payments on an unsecured loan?

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.

Can I receive a loan if my income is paid into a different bank account?

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.

Car loan or leasing: which should I choose?

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.

Can I repay my loan early, and does this come at an additional cost?

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.

Can I receive a loan if I have no official income?

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

How get the loan?

Apply for a loan through our website, online bank or mobile app.

Consumer 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

More opportunities

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Small home loan

Financing up to 30 000 EUR for purchasing, renovating or furnishing. With no deposit, collateral and security.
Find out more
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Car loan

Financing of up to 25 000 EUR with no deposit or CASCO.
Find out more
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Mortgage loan

Financing with an ALTUM guarantee of up to 95% for your house, apartment, construction or ambitious renovations.
Find out more
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Home energy efficiency loan

A personally-calculated offer for up to 30 000 EUR. With no deposit, collateral and security.
Find out more
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Green mortgage loan

For financing green homes at great-value loan terms. Financing up to 95% with ALTUM guarantee.
Find out more

1 Example: Assuming a loan interest rate of 9.9% per year, the total loan amount is 5000 EUR the loan agreement is for 60 months, the commission fee is 0 EUR, and the annual percentage rate (APR) is 10.54%, the total amount the customer would have to repay is 6383.40 EUR, and the monthly repayment amount is 106.39 EUR. Borrow responsibly and evaluate your ability to repay the loan.
2 To borrow, you must be at least 18 years of age, and you must have a regular, stable and verifiable monthly income. Borrow responsibly and assess your ability to repay the loan.
3 Presuming the loan interest rate is 11.9% per year, the total loan amount is 500 EUR the loan agreement is for 36 months, the commission fee is 0 EUR, and the annual percentage rate (APR) is 12.81%, the total amount the customer would have to repay is 598.68 EUR, and the monthly repayment amount is 16.63 EUR.

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