Skip to page content
Private Business Private Banking About the bank C REWARDS
English
menu ×
  1. Private customers
  2. Loan payment difficulties

Loan payment difficulties

If you are experiencing financial difficulties and are finding it difficult to make your loan or leasing payments on time, please do not delay in contacting us. The sooner we understand your situation, the sooner we can work together to find the most suitable solution.

What to do if you're struggling to make loan or lease payments?

We assess each situation individually. The available solution will depend on your agreement, financial circumstances and the nature of the difficulties you are experiencing.

  • Submit a request to amend the terms and conditions of your agreement through our application self-service portal or by completing a loan agreement amendment application in the Citadele online bank. We will contact you after receiving your request.
  • Call us on +370 5 221 9091 in case you need help to find the application.
  • If you are having difficulty making your leasing payments, call us on +370 5 221 9091. We will discuss the available solutions with you.
  • You can also submit a request to amend the terms and conditions of your agreement through the Citadele leasing portal.
  • If you are having difficulty making your consumer loan payments, call us on +370 5 221 9091.
  • To apply for a grace period for principal repayments, while continuing to pay interest, submit a free-form request through the Citadele online bank. State the reason for your request, for example, loss of employment. We assess each request individually.
  • If you have a card credit limit and are unable to make the scheduled payments, complete the “Card credit limit debt repayment application” in the Citadele online bank. We assess each application individually. We will notify you of our decision by email and SMS. If your application is approved, you will need to sign a debt repayment agreement in the Citadele online bank. Once the new agreement is signed, the previous agreement will cease to be valid.

For mortgage loans

  • Grace period for principal repayments. During the agreed period, you would pay interest only.
  • Extension of the loan repayment term to reduce the monthly payment.
  • Changing the loan repayment method from the linear method to the annuity method, where such a change is available in your circumstances.

For Leasing

  • Deferral of leasing instalments. During the agreed period, you would pay interest only, without changing the other terms of your agreement.
  • Extension of the leasing repayment term.

For Consumer Loans

  • Deferral of loan principal repayments. During the agreed period, you would pay interest only.
  • Restructuring or consolidation of existing liabilities by entering into a debt repayment agreement.

Possible solutions

photo

For mortgage loans

  • Grace period for principal repayments. During the agreed period, you would pay interest only.
  • Extension of the loan repayment term to reduce the monthly payment.
  • Changing the loan repayment method from the linear method to the annuity method, where such a change is available in your circumstances.
photo

For Leasing

  • Deferral of leasing instalments. During the agreed period, you would pay interest only, without changing the other terms of your agreement.
  • Extension of the leasing repayment term.
photo

For Consumer Loans

  • Deferral of loan principal repayments. During the agreed period, you would pay interest only.
  • Restructuring or consolidation of existing liabilities by entering into a debt repayment agreement.
icon

Important!

Changes to the terms of your agreement may affect the amount of your monthly payment, the loan repayment term, and the total amount payable over the entire loan period. Before deciding, please carefully assess whether the proposed solution is suitable for your circumstances.
Do not wait until debt accumulates or your financial situation worsens. Contact us as early as possible so that we can work together to find a suitable solution.