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  1. Private customers
  2. Small home loan

Small home loan

A loan for property purchase, repairs or major renovation with a term of up to 10 years.

A man is building a new terrace using timber and is screwing in the boards with a drill.
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Individually-calculated offer

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

Financing up to 30 000 EUR

Receive an offer within 10 minutes.

Wide options

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

The room is under renovation – the walls have been freshly plastered and a protective sheet covers the floor. There are two construction ladders and toolboxes in the room.

Loan for various goals

  • Purchase of a home, summer house or land.
  • Apartment or house renovation and furnishing.
  • Installation or replacement of a ventilation system.
  • Home insulation – window replacement or other insulation measures.
  • Purchase and installation of a wood biomass heating boiler (pellet boiler).
A woman is looking at floor parquet and wall paint sample palettes to plan home improvements.

Terms and Conditions

  • From 3000 up to 30 000 EUR with fixed interest rate from 6.8% per year.1
  • Loan term of up to 10 years, with no valuation, collateral or security needed.
  • Until 17.08.2025, a processing fee of 1% of the loan amount (minimum EUR 50).1
  • Possibility to repay the loan before term at no additional cost.
  • After signing the agreement, money in your account within just a few minutes.
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Keep in mind!

  • The renovation or improvements must be carried out on a property owned by you or your family (parents, spouse, or child).
  • Within 6 months from the date of signing the agreement, you must submit proof of purchase and print-out from Land Registry. This can be done by submitting an order via online bank. If this is not done, an additional 4% (percentage points) will be applied to the interest rate.

Calculator

3000 EUR
30 000 EUR
18 mēneši
120 months
Annual percentage rate (APR): 9.30 %
Commission fee: 50.00 EUR
Interest rate: 7.50 %
Total loan amount: 5357.30 EUR
Monthly payment
294.85 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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A woman is holding a tablet and showing a man what is happening on the screen. In the background, renovation work is taking place in the room; the man is holding a paint roller and a bucket.

Apply and process remotely

Apply online, even if you are not a Citadele customer. Conveniently process the loan agreement through the online bank or mobile app and receive the money in your account within a few minutes.2

Apply

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

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.

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.

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 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.

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.

Do I need to submit reports or account statements to prove my income?

When you fill in an application you agree that we can request information on your income from external databases, you will not need to submit this information. If all the information we need for evaluating your creditworthiness is not in these registers, we may request additional documents from you.

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.

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.

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 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.

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.

Do I need to submit reports or account statements to prove my income?

When you fill in an application you agree that we can request information on your income from external databases, you will not need to submit this information. If all the information we need for evaluating your creditworthiness is not in these registers, we may request additional documents from you.

More opportunities

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Consumer loan

Financing of up to 25 000 EUR to help with your plans. With no deposit, collateral and security.
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Mortgage loan

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

A personally-calculated offer for up to 30 000 EUR. With no deposit, collateral and security.
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Car loan

Financing of up to 25 000 EUR with no deposit or CASCO.
Find out more

1 Assuming a loan interest rate of 7.5% per year, the total loan amount is 7000 EUR the loan agreement is for 60 months, the commission fee is 70 EUR, and the annual percentage rate (APR) is 8.37%, the total amount the customer would have to repay is 8509.00 EUR, and the monthly repayment amount is 140.65 EUR. Borrow responsibly and evaluate your ability to repay the loan.
2 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.

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