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  1. Private customers
  2. Consumer loan

Consumer loan

Loan for bigger purchases or other needs.

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Individually-calculated offer

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

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Financing up to 20 000 EUR

Receive a consumer loan offer within 10 minutes.

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Wide options

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

Consumer loan calculator

200 EUR
20 000 EUR
12 months
84 months
Annual percentage rate (APR): 21.79 %
Commission fee: 100.00 EUR
Interest rate: 9.90 %
Total loan amount: 2210.68 EUR
Monthly payment
175.89 EUR
Payments schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
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Apply and process remotely

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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.*

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From 1000 to 20 000 EUR

Consumer loan

Loan for various goals with a term of up to 84 months, individually-calculated interest rate and agreement processing fee 2 % from the credit amount **

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

Small consumer loan

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With a term of up to 36 months, individually-calculated interest rate and agreement processing fee 5 % from the credit amount (min. 10 EUR).***

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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
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.

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.

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 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.

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.

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.

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.

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 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.

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.

How get the loan?

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

More opportunities

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Small home loan

Financing up to 20 000 EUR for purchasing, renovating or furnishing. With no deposit, collateral and security.
Learn more
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Car loan

Financing of up to 20 000 EUR with no deposit or CASCO.
Learn more
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Mortgage loan

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

A personally-calculated offer for up to 20 000 EUR. With no deposit, collateral and security.
Learn more
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Green mortgage loan

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

Financing of up to 75% of the market value of your residential property for any aim. Apply and receive an offer by email.
Learn more

* 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 9.9 % per year, the total loan amount is 5000 EUR the loan agreement is for 60 months, the commission fee is 100 EUR, and the annual percentage rate (APR) is 11.50 %, the total amount the customer would have to repay is 6383.40 EUR, and the monthly repayment amount is 106.39 EUR.
*** 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 25 EUR, and the annual percentage rate (APR) is 16,88 %, the total amount the customer would have to repay is 623.68 EUR, and the monthly repayment amount is 16.63 EUR.