https://www.citadele.lt/en/private/home-energy-efficiency

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Home energy efficiency loan

A loan for purchasing and installing solar panels, a heat pump, or changing your home heating system.

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Individually-calculated offer

Receive an offer within 10 minutes.

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Financing up to 20 000 EUR

Loan term till 7 years and interest rate from 4.9 %1

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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 4.9 %, when an agreement origination fee is 90 EUR, then the total annual interest rate on the cost of the consumer credit (APR) would be 5.67 %, the total amount payable by the customer would be 6 867.00 EUR, and the monthly instalment would be 112.95 EUR.

What is this loan for?

Make your home energy efficient and environmentally friendly by choosing the best option for your situation. You can receive a loan for the following:

  • Purchasing and installing solar panels.
  • Purchasing parts of remote solar panels.
  • Purchasing and installing a heat pump.
  • Purchasing and installing a biomass boiler (wood pellet boiler).
  • Changing your heating system.
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Loan terms

  • Intended for the personal needs of private individuals.
  • From 500 to 20 000 EUR with an interest rate of 4.9% per year.1
  • A loan term between 12 and 84 months, with no collateral or security.
  • Agreement processing fee 1.5% from the credit amount (min 50 euros).1
  • Repay before term at no additional cost.
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Calculator

Get a loan without visiting a bank branch

500 EUR
20 000 EUR
12 months
84 months
Annual percentage rate (APR):2 8,10 %
Commission fee: 75,00 EUR
Interest rate: 4,90 %
Total loan amount:3 5 211,00 EUR
Monthly payment
428,00 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.

Loan application process

  • Select the most suitable energy efficiency improvement solution for you. When you buy chosen system be sure that retailers are offering European Union certified purchase and installation.
  • Decide how much you need for a loan.
  • Fill in a loan application online and receive an offer within 10 minutes.
  • Sign a loan agreement and the money will be paid into your bank account within just a few minutes.
  • Pay the service provider and arrange system installation.
  • You must purchase and install your solar panels, a heat pump, a biomass boiler or change your heating system within 3 months of signing the loan agreement.
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The Ignitis eparkai.lt platform opens up opportunities for everyone to become a producer of green electricity. By purchasing a power plant in a remote solar park, you will reduce your electricity costs and create a cleaner environment.

Ignitis

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.

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