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

Notification on Cookie Use

On our website, we use our own and third-party cookies. Essential cookies, which help us run and secure the website, do not need your consent. For the use of statistics, analytics and marketing cookie, we need your consent in order to provide more convenient website and online service usage, and offer you relevant content and services depending on your usage habits. You can agree to this us of cookies by clicking Agree, and you can cancel or adapt this at any time using the following link: Cookie Settings. Find out more: Cookie Terms and Conditions.

Consumer loan from 200 EUR up to 15 000 EUR | Bank Citadele
https://www.citadele.lv/en/private/consumer

Consumer loan

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

photo
icon

Individually calculated offer

Apply online and get an offer within 10 minutes

icon

Annual interest rate from 7.9 %*

Get an individually-calculated interest rate

icon

Financing of up to 15 000 EUR

Receive a loan without collateral or security

Consumer loan calculator

200 EUR
15 000 EUR
12 months
60 months
Annual percentage rate (APR): 8.33 %
Agreement fee: 0.00 EUR
Interest rate: 7.90 %
Total amount payable: 8577.72 EUR
Monthly payment
238.27 EUR
Loan schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

Apply and process remotely

photo

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.**

Apply
From 1000 to 15 000 EUR

Consumer loan

Loan term of up to 60 months with annual interest rate from 7.9 % and with no agreement processing fee 11.04-05.06.2022.*

  • Home renovation
  • New household appliances
  • Car repair
  • Larger purchases or small daily needs
  • Refinancing and consolidation of up to 3 loans from other lenders
Apply
photo
From 200 to 1000 EUR

Small consumer loan

photo

With a term of up to 12 months, annual interest rate from 7.9 % and with no agreement processing fee 11.04-05.06.2022.***

Apply

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.

Car loan or leasing?

To purchase your chosen car, you can use one of two options: Consumer Loan for Purchasing a Car, or Leasing. 

You can see the most important information on each product and a comparison here

A car loan is suitable for buying a used car which doesn’t need a valuation, and KASKO insurance is not compulsory. Apply for a car loan here

Leasing is suitable for buying a new or almost new car. It is available for transactions starting at €5,000 and has lower interest than a car loan. When you sign the agreement, the owner on the car’s technical paperwork will be SIA Citadele Leasing, while the customer will be listed as holder. You can apply for leasing here
 

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.

Car loan or leasing?

To purchase your chosen car, you can use one of two options: Consumer Loan for Purchasing a Car, or Leasing. 

You can see the most important information on each product and a comparison here

A car loan is suitable for buying a used car which doesn’t need a valuation, and KASKO insurance is not compulsory. Apply for a car loan here

Leasing is suitable for buying a new or almost new car. It is available for transactions starting at €5,000 and has lower interest than a car loan. When you sign the agreement, the owner on the car’s technical paperwork will be SIA Citadele Leasing, while the customer will be listed as holder. You can apply for leasing here
 

More opportunities

photo

Car loan

Financing of up to 15 000 EUR with no deposit or CASCO. Apply and receive a reply within 10 minutes.
Find out more
photo

Loan for the purchase of building land

Financing of up to 60 % with an individually-calculated interest rate. Apply and receive an offer by email.
Find out more
photo

Mortgage loan

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

Solar panel loan

A personally-calculated offer for up to 15 000 EUR. Apply and receive a reply within 10 minutes.
Find out more
photo

Loan with collateral

Financing of up to 70 % of the market value of your residential property for any aim. Apply and receive an offer by email.
Find out more

* Presuming the loan interest rate is 7.9 % per year, the total loan amount is 5000 EUR the loan agreement is for 48 months, the commission fee is 0 EUR, and the Annual Percentage Rate (APR) is 8.34 %, the total amount the customer would have to repay is 5861.76 EUR, and the monthly repayment amount is 122.12 EUR.
** 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.
*** Presuming the loan interest rate is 7.9 % per year, the total loan amount is 700 EUR the loan agreement is for 12 months, the commission fee is 0 EUR, and the Annual Percentage Rate (APR) is 8.34 %, the total amount the customer would have to repay is 730.68 EUR, and the monthly repayment amount is 60.89 EUR.