Loan consolidation
and refinancing

Create your own more convenient payment schedule with a lower monthly repayment 


  • Fast replyReceive a decision on combining your loans within 15 minutes
  • Apply onlineFill in an application even if you are the client of another bank
  • Refinance several loansCombine up to 20,000 EUR in other loans

If you have loans elsewhere

We offer the opportunity to consolidate them for a more convenient payment schedule or lower monthly payments. Find out within a few minutes how much you can borrow and at what interest rate. You can consolidate up to 3 loans - short-term loans from other lenders, credit cards or car payments.

What kind of loans from other lenders can be refinanced and consolidated?

  • Consumer loan
  • Credit cards
  • Car loan and leasing


You can only refinance credit obligations which have been registered in the Bank of Latvia’s Credit Register and whose creditor is a participant in the Bank of Latvia’s Credit Register.

How do I consolidate and refinance my loans?

  • Receive an offer. Find out what amount is available to you at what interest rate within 15 minutes via our online bank or in any of our branches. You can receive an informative quote on our website.
  • Receive financing. Sign a contract with Citadele in-branch or, if you are a client of ours, via the Citadele online bank, and receive your money straight away.
  • The money will come into your Citadele account. Repay your loans with other lenders within 10 days.

Credit calculator

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Previous loan #1


300 EUR

20 000 EUR


10 EUR

1 000 EUR

Choose term


9.9 %

18.9 %

Maximum refinance amount is 20 000 eur

Refinance amount is too small

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