1. 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.

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.

There are cases when we need more documents in order to make a decision. Information on what we need can be viewed in the online bank or website under My Applications. 

The most comment type of document we ask for is your account statement, loan repayment schedules or statements from the State Revenue Service. 
To make a decision, we may request one or more documents. 
Usually, a decision is made within 10 minutes of submitting (uploading) the document.

How do I obtain documents from the State Social Insurance Agency (VSAA) or State Revenue Service (VID), if the bank has requested them?

• VID annual income declaration - eds.vid.gov.lv > Annual income declaration
• VSAA statement of social insurance payments and insurance periods - vsaa.gov.lv e-service
• VSAA decisions on issuing benefits - latvija.lv > Notifications

By using the aforementioned online services, you can obtain the documents you need for free.

If you are having difficulties obtaining any of these documents, or you have any additional questions, please contact the respective service provider, for example, VSAA.
 

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.

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.

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.

Citadele encourages responsible borrowing, so if you have no official income, we will be unable to issue a loan to you.