https://www.citadele.lt/en/private/consumer

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Consumer loan

Loan for bigger purchases or other needs.

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Individually calculated offer

Receive a consumer loan offer within 10 minutes.

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Financing up to 20 000 EUR

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

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Wide options

Purchase with no deposit, collateral and security.

Typical example

1 If a loan of 6 000 EUR is taken out for a period of 5 years at a fixed annual interest rate of 10 %, when an agreement origination fee is 90 EUR, then the total annual interest rate on the cost of the consumer credit (APR) would be 11.2 %, the total amount payable by the customer would be 7 738.80 EUR, and the monthly instalment would be 127.48 EUR.


Consumer loan calculator

Calculate and find out your monthly payment

500 EUR
20 000 EUR
12 months
84 months
Annual percentage rate (APR):2 13,73 %
Commission fee: 75,00 EUR
Interest rate: 9,90 %
Total loan amount:3 5 351,76 EUR
Monthly payment
439,73 EUR
Payments schedule
2 Annual percentage rate (APR) is expressed to help you compare different offers over the same period. The APR is calculated by taking into account the total amount of the consumer credit, the interest rate, the contract administration fee and any other charges related to the conclusion or execution of the contract.
3Total loan amount must be undertood as the total amount payable by the borrower. This calculator is for informational purposes only. Annual interest rates ranging from 9.9 % to 22.9 %. Repayment term from 12 to 84 months.

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
From 500 to 20 000 EUR

Consumer loan

Individually calculated offer. Apply online and receive a consumer loan offer within 10 minutes.

  • Home renovation.
  • New household appliances.
  • Car repair.
  • Larger purchases or small daily needs.
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How to find out your credit options (credit rating)?

In order to receive a loan for your spending needs, you must complete a credit rating application and receive a loan offer. This can be done in Online banking or website (in case if you have no Online banking access or you are not Citadele customer, but you have other authorization devices available).

1a. Through the online bank, application form is available on the home page under Credit Rating.

1b. Through the website under Private Customers> Loans > Credit rating > Find out

Before filling in the application, choose the most appropriate type of authorization.

 

2. In the application form, please fill in your most current information, including monthly income, monthly loan payments, required loan sum and other information requested.

3. After filling in your application, confirm that you agree for your data to be processed and that we can request your information from the State Social Insurance Agency. When you agree, you will not have to submit any additional data from the SSIA.

4. Your application will be processed within a few minutes, but please bear in mind that an application which is submitted in the evening or at night will be processed the next morning.
After we review your application, you will receive a reply with a loan offer or rejection. 

To view your offer:

  • Go to the online banking under Loans and Leasing and select Loan Offers. 
  • If you submitted an application through our website and you do not have access to the Citadele online bank, you need to visit Private Customers > My Applications to view your offer.

Loan offers are prepared for each customer individually, and you will see your available loan sum, the products we offer and at what interest rates, as well as the processing fee for each specific product. Each customer is evaluated on an individual basis, and the offer will include the most suitable solution for the customer’s situation. All offers are valid for a limited period of time.

Full early loan repayment

To repay your consumer loan in full, you must check the amount to be repaid, which comprises of the unpaid base loan, interest on that day, and existing debts (if any). Once all these figures have been added together, you must have this full amount in your current account.

To find out your unpaid loan balance, visit the online bank under Loans and Leasing > My Loans.

The interest payment changes daily, so the simplest way is to ensure that you have enough for the next monthly payment in your account, and once your loan has been paid off, any extra will be refunded to your current account. However, if you wish to know the exact repayment amount on a specific day, you must call customer support. 

Once you have the full amount for repaying your loan in your account, you must submit an order to the bank through the online bank: Loans and Leasing > My Loans > Amend Agreement.

Select order type I Wish To Repay My Loan Early.

Select Repay Loan In Full and make the final payment.

Sign the order.

After submitting the order to the bank, your loan will be paid off within 1 business day as long as there are enough funds in your account.

How do I check the status of my application?

You can check your application status on the website under Private Customers > My Applications.

To see your application status, you must log in.

After logging in, you will be able to view your current application status: your offer, rejection or request for more documentation.

Partial early loan repayment

To make an early partial repayment on your consumer loan, you must have the amount of money you intend to use to repay the loan in your current account or loan repayment account.

Once the necessary funds have been deposited in your loan repayment account, you must submit an order to the bank via the online bank under Loans and Leasing > My Loans > Declare Agreement Amendments.

Select the template titled “I wish to make an early loan repayment.”

Select Partially repay loan. 

The order must include the sum to be repaid, and make a choice regarding your repayment schedule: amend monthly repayment amount (in this case, a commission fee applies) or leave it unchanged. The minimum repayment amount is equal to one monthly repayment. 

Sign the order. 
After submitting the order to the bank, the partial repayment of your loan will be applied within 1 business day.

 

Car loan or leasing?

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.

What documents are required to obtain a consumer loan?

Please provide the following documents:

  1. Passport or personal identity card, EU citizen's certificate, third-country citizen's permit for temporary/permanent residence in the Republic of Lithuania.
  2. Application. That can be filled out online.
  3. Consent of the credit recipient (co-borrower) so that we can assess the solvency of the credit recipient by checking the data in the registers.
  4. If you are self-employed or under a business license, copyright or work order agreement, please provide all supporting documentation of your income. We also ask you to submit a business certificate, declarations for the past 2 years, declaration for the current year. Expenditure warrants, copyright contracts, statements of receipts (income) for the last 12-24 months.

We may also ask for other additional income supporting documents.

More questions
How to find out your credit options (credit rating)?

In order to receive a loan for your spending needs, you must complete a credit rating application and receive a loan offer. This can be done in Online banking or website (in case if you have no Online banking access or you are not Citadele customer, but you have other authorization devices available).

1a. Through the online bank, application form is available on the home page under Credit Rating.

1b. Through the website under Private Customers> Loans > Credit rating > Find out

Before filling in the application, choose the most appropriate type of authorization.

 

2. In the application form, please fill in your most current information, including monthly income, monthly loan payments, required loan sum and other information requested.

3. After filling in your application, confirm that you agree for your data to be processed and that we can request your information from the State Social Insurance Agency. When you agree, you will not have to submit any additional data from the SSIA.

4. Your application will be processed within a few minutes, but please bear in mind that an application which is submitted in the evening or at night will be processed the next morning.
After we review your application, you will receive a reply with a loan offer or rejection. 

To view your offer:

  • Go to the online banking under Loans and Leasing and select Loan Offers. 
  • If you submitted an application through our website and you do not have access to the Citadele online bank, you need to visit Private Customers > My Applications to view your offer.

Loan offers are prepared for each customer individually, and you will see your available loan sum, the products we offer and at what interest rates, as well as the processing fee for each specific product. Each customer is evaluated on an individual basis, and the offer will include the most suitable solution for the customer’s situation. All offers are valid for a limited period of time.

Full early loan repayment

To repay your consumer loan in full, you must check the amount to be repaid, which comprises of the unpaid base loan, interest on that day, and existing debts (if any). Once all these figures have been added together, you must have this full amount in your current account.

To find out your unpaid loan balance, visit the online bank under Loans and Leasing > My Loans.

The interest payment changes daily, so the simplest way is to ensure that you have enough for the next monthly payment in your account, and once your loan has been paid off, any extra will be refunded to your current account. However, if you wish to know the exact repayment amount on a specific day, you must call customer support. 

Once you have the full amount for repaying your loan in your account, you must submit an order to the bank through the online bank: Loans and Leasing > My Loans > Amend Agreement.

Select order type I Wish To Repay My Loan Early.

Select Repay Loan In Full and make the final payment.

Sign the order.

After submitting the order to the bank, your loan will be paid off within 1 business day as long as there are enough funds in your account.

How do I check the status of my application?

You can check your application status on the website under Private Customers > My Applications.

To see your application status, you must log in.

After logging in, you will be able to view your current application status: your offer, rejection or request for more documentation.

Partial early loan repayment

To make an early partial repayment on your consumer loan, you must have the amount of money you intend to use to repay the loan in your current account or loan repayment account.

Once the necessary funds have been deposited in your loan repayment account, you must submit an order to the bank via the online bank under Loans and Leasing > My Loans > Declare Agreement Amendments.

Select the template titled “I wish to make an early loan repayment.”

Select Partially repay loan. 

The order must include the sum to be repaid, and make a choice regarding your repayment schedule: amend monthly repayment amount (in this case, a commission fee applies) or leave it unchanged. The minimum repayment amount is equal to one monthly repayment. 

Sign the order. 
After submitting the order to the bank, the partial repayment of your loan will be applied within 1 business day.

 

Car loan or leasing?

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.

What documents are required to obtain a consumer loan?

Please provide the following documents:

  1. Passport or personal identity card, EU citizen's certificate, third-country citizen's permit for temporary/permanent residence in the Republic of Lithuania.
  2. Application. That can be filled out online.
  3. Consent of the credit recipient (co-borrower) so that we can assess the solvency of the credit recipient by checking the data in the registers.
  4. If you are self-employed or under a business license, copyright or work order agreement, please provide all supporting documentation of your income. We also ask you to submit a business certificate, declarations for the past 2 years, declaration for the current year. Expenditure warrants, copyright contracts, statements of receipts (income) for the last 12-24 months.

We may also ask for other additional income supporting documents.

More opportunities

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Car loan

Financing of up to 20 000 EUR with no deposit or CASCO. Receive a loan offer within 10 minutes.
Learn more
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Mortgage loan

Financing up to 85% for your house, apartment, construction or ambitious renovations.
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.
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Green mortgage loan

A loan with more favourable terms for the purchase of energy-efficient housing. Finance up to 85% of the property value.
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Home renovation loan

Apply for a home renovation loan on favorable terms. Remote loan from application to contract signing.
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X prime

The first 6 months are free. Valuable prizes. Travel and shopping insurance worldwide.
Learn more