https://www.citadele.lv/en/private/small-home-loan

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https://www.citadele.lv/en/private/small-home-loan

Small home loan

A loan for purchasing, furnishing or renovating your home.

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Apply
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Individually-calculated offer

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

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Financing up to 20 000 EUR

Receive an offer within 10 minutes.

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Wide options

Purchase with no deposit, evaluation, collateral and security.

Loan for various goals

Loan for various goals

  • For the purchase of a home, summer house or land.
  • Apartment or house renovation.
  • Home furnishing.
  • To cover part of the sum needed for the purchase.

Terms and Conditions

  • From 3000 up to 20 000 EUR with individually calculated interest rate
  • Loan term of up to 7 years, with no valuation, collateral or security needed
  • Agreement processing fee 2 % from the credit amount*
  • You can repay the loan before term at no additional cost
  • After signing the agreement, receive the money in your account within just a few minutes
Apply
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Calculator

3000 EUR
20 000 EUR
12 months
84 months
Annual percentage rate (APR): 14.82 %
Commission fee: 100.00 EUR
Interest rate: 9.90 %
Total loan amount: 5376.76 EUR
Monthly payment
439.73 EUR
Payments schedule
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.
Apply

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.**

Apply

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
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.

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 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.

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 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.

If I sign a loan agreement, will I have to start receiving my monthly income in a Citadele account?

This is not compulsory.

More questions
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.

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 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.

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 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.

If I sign a loan agreement, will I have to start receiving my monthly income in a Citadele account?

This is not compulsory.

More opportunities

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Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
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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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
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Car loan

Financing of up to 20 000 EUR with no deposit or CASCO.
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

* 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 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.
** 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.