Consumer loan

Loans for a variety of needs with a rate from 9.9% per year


  • Individually calculated offer within 5 minutes
  • Loan of up to 15,000 Euro
  • Repay within up to 5 years

Consumer loan options at Citadele

  • Consumer loan with an individually-calculated interest rate from 9.9% per year*
  • Refinancing and consolidation of up to 3 loans from other lenders
  • Option to apply for a loan through the app

Apply through the online bank

To borrow, you must be at least 18, and your monthly income must be at least 350 EUR after taxes. Assuming that a loan has an interest rate of 9.9% per year, the total loan amount is 5,000 EUR, the contract is for 12 months, the commission fee is 100 EUR, and the annual percentage rate (APR) is 14.78%, the total sum payable by the client is 5,349.88 EUR, and monthly repayments are 437.49 EUR.

X Credit Cards for every day

  • X hero or X Platinum credit cards with a credit limit from 250 to 15,000 Euro
  • Interest is calculated from your used balance
  • Up to 45 days interest free. Repay immediately or gradually
  • Travel insurance worldwide and purchase protection
  • Prizes and discounts with the X REWARDS program

Find out more

Consumer loan calculator

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1 000 EUR

15 000 EUR


9.9 %

25 %

Maximum monthly payment exceeded


All results are informative and based on approximate calculations. Borrow responsibly with full, regard to your ability to repay the loan.

How do I receive a loan?

  • Fill in a credit rating assessment form through the online bank, our website or in-branch, select your loan type and receive an answer immediately
  • See your offer on the online bank, apply for the loan there and the money will be transferred immediately
  • Clients of other banks are asked to sign their contract in-branch. We will transfer the money to your account after the contract has been signed

To borrow, you must be at least 18, and your monthly income must be at least 350 EUR after taxes

More opportunities

  • Leasing

    Leasing - up to 95% of the value of your vehicle.

    Find out more

  • Mortgage loans

    We can finance up to 95% of the value of your home. Interest rate from 1.7% per year.

    Find out more

  • X credit cards

    The first 6 months are free. Credit limit up to 15,000 Euro. Prizes and discounts. Travel insurance and purchase protection worldwide.

    Find out more