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Find the suitable loan

Choose a loan that suits you best and fulfil your plans

At a time of rising costs, we need to think about how to live more economically, sustainably and wisely. Smart purchases and daily budgeting are ways to save money and better meet your needs. So give your plans careful thought and, if you need a loan to turn them into a reality, evaluate and choose the right one.

  • Favourable interest rate for environmentally friendly cars, solar panels, and energy efficient house renovation
  • Fully remote process, quick answer, and fast money pay-out
  • Log in to see if you have a personal offer.

Until 31 October Small loan, Car loan, and Home Small loan agreement fee – 0 EUR.

 To see the full table, rotate your device and view in landscape mode.
Planning to renovate your home and improve its energy efficiency? We have a particularly good solution for you – a loan from 20,000 EUR with a fixed interest rate of 1.99%. Find out more If you spend 3 000 Eur or more for car purchase, we can offer especially good Car loan conditions. Find out more If you spend 8 000 Eur or more for car purchase, we can offer especially good Car lease conditions. Find out more

Small loan

Car loan
Greener choice

Financial lease
Greener choice

Operating lease

Home small loan
Special offer!

Mortgage Loan

Home equity loan

Solar loan

Home Energy Efficiency Loan

Credit card

Study loan
Offer to you - - - - - - - - - - -
Loan purpose

Bigger purchase

Used car or other vehicle

Brand new or little-used car or other vehicle

Brand new car

Property purchase or home renovation

Real estate purchase, construction, reconstruction

Remodelling, renovating or buying other properties

Purchase of solar panels, a heat pump, wind generators

Increasing energy efficiency of a private house

Extra money and purchase insurance for your purchases

Cover study expenses
Monthly payment 0 0 0 0 0 0 0 0 0 Flexible 0
Loan term Flexible 10years
Down payment - - - - - - - -
Residual value

This is the sum which needs to be paid after you finish paying your monthly payments.

You can decide whether:

  • to keep the car, paying the residual value of your own funds or we will find a new financing solution to you;
  • to sell the vehicle to a third party and pay us the residual value;
  • to return the vehicle to the seller.
 - - - - - - - - - -
Collateral - - Vehicle you want to purchase Vehicle you want to purchase - Home you want to purchase Your current home - Your current home - State guarantee
Owner Customer Customer Swedbank (user: customer) Swedbank (user: customer) - - - - - - -
Agreement fee 0 0

(2% of the amount, min. EUR 25)

 0 0

(1% of the loan amount, min. 100 EUR)

 0

(1.5% of the price of the car, min. 150 EUR)

 0

(1.5% of the price of the car, min. 150 EUR)

 0 0

(1% of the loan amount, min. 100 EUR)

 0

(Up to 1.2% of the loan amount)

 0

(Up to 1.2% of the loan amount)

 0

(1% of the loan amount, min. 100 EUR)

 0

(Up to 1.2% of the loan amount)
  • Agreement fee is 2 – 4 EUR
  • Monthly fee is 1.42 – 5 EUR
 Document processing - free
CASCO insurance Recommended Recommended

Mandatory

15% discount*

Mandatory

15% discount*

 - - - - - - -
Financial obligations insurance Insurance against borrower's unemployment and incapacity for work

 

 

 

 

 

 

 

0,6% of the used credit amount
Interest rate From 9.9% From 7.9%
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
  • From 2.29% + 6m Euribor
  • Environmentally friendly cars from 1.49% + 6m Euribor
 From 7.9% From 1.89% + 6m Euribor From 3.09% + 6m Euribor Special offer! Fixed interest rate 5.9% Special offer! Interest starts from 1.99% From 14% 3.5% + 6m Euribor
Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more Find out more

*If the leasing application is filled out via Internet Banking. Offer valid until 31.12.2022.

The data provided by the calculator is for information only, however it gives you a picture of what could be the size of your monthly payments.

Representative example of small loan expenses: When a loan of 1000 EUR is taken out for a period of 24 months, the applied interest rate is 11.9%, the monthly payment is 47.09 EUR, the agreement fee is 25 EUR. Annual percentage rate (APR) – 15.73%. Total amount repayable by the customer - 1190.63 EUR.

Representative example of car loan expenses: When a loan of 8000 EUR is taken out for a period of 7 years (84 months), the applied interest rate is 7.9%, the monthly payment is 125 EUR, the agreement fee is 100 EUR. Annual percentage rate (APR) - 8.628%. Total amount repayable by the consumer - 10 475 EUR.

Representative example of car leasing expenses: If you take out a 5-year finance lease to buy a car worth 25,000 EUR and make a down-payment of 15% of the purchase price, with interest rate: 2.29% + 6-month Euribor (Euribor value on calculation day: 0 %), the agreement fee: 1.5% of the car’s purchase price, the total amount repayable will be 22 890.43 EUR (excluding down-payment) and annual percentage rate (APR): 3.04%.

Representative example of home small loan expenses: When a loan of 9000 EUR is taken out for a period of 8 years, the applied interest rate is 7.9%, the monthly payment is 127.26 EUR, the agreement fee is 100 EUR. Annual percentage rate (APR) – 8.64%. Total amount repayable by the customer - 12414.31 EUR.

A representative example of mortgage loan expenses: the customer takes out a loan of 65,000 EUR, the loan period is 20 years, the applied interest rate is 1.79% + 6 month EURIBOR, the monthly payment is 324.30 EUR, the disbursement fee – up to 1.2% of the credit amount. The APR calculated for the customer is 1.96% and the total amount payable is 78 304.20 EUR.

A representative example of Home Equity Loan expenses: the customer takes out a loan of 65,000 EUR, the loan period is 20 years, the applied interest rate is 3.09% + 6 month EURIBOR, the monthly payment is 364.73 EUR, the disbursement fee – up to 1.2% of the credit amount. The APR calculated for the customer is 3.34% and the total amount payable is 88478.11 EUR.

Representative example of solar loan expenses: When a loan of 8000 EUR is taken out for a period of 8 years (96 months), the applied interest rate is 5.9%, the monthly payment is 106.40 EUR, the agreement fee is 100 EUR. Annual percentage rate (APR) - 6.51%. Total amount repayable by the consumer - 10 208 EUR.

Representative example of Home Energy Efficiency Loan expenses: When a loan of 35 000 EUR is taken out for a period of 20 years, the applied interest rate is 1.99% + 6 months EURIBOR, the monthly payment is 177.30 EUR, the agreement fee is 420 EUR. Annual percentage rate (APR) – 2.17%. Total amount repayable by the consumer – 42 969.97 EUR.

Representative example of credit card expenses: a customer signs an agreement for a credit card with a EUR 500 limit, the agreement fee is EUR 2, the applicable interest rate is 21%. The annual interest calculated for the customer is 32.33% and the total amount to be repaid will be EUR 576.61 (calculated on the assumption that the credit is used immediately and in full, and is repaid within one year in equal monthly payments). The information in the table may be different from the terms offered to you.

Representative example of study loan expenses: When a loan of 5000 EUR is taken out for a period of 10 years, the applied interest rate is 3.5%+6-month Euribor, the monthly payment is 49.56 EUR, there is no agreement fee. Annual percentage rate (APR) – 3.61%. Total amount repayable by the consumer – 5946.43 EUR.

The insurer is Swedbank P&C Insurance AS, which is represented in Latvia by Swedbank P&C Insurance AS Latvian branch and the insurance agent is Swedbank AS.

State support available.

A good time to buy an eco-friendly car!
Leasing rates from 1.49%.

A loan for purchase and installation of solar panels, a heat pump or wind generators.

A loan suitable for energy efficient solutions in your house.

ALTUM offers several state aid programmes: for families with children, for young professionals and programme “Balsts”.

A great solution if you plan to buy a used car.

It's convenient to conclude it the internet bank. Conclude the Swedbank Agreement on MTPL Policy and never again you'll have to worry about validity of the MTPL policy.will be debited automatically from your current account.

 15% discount*
  • CASCO insurance will reimburse for your losses.
  • Free technical assistance on the road.

*If the leasing application is filled out via Internet Banking. Offer valid until 31.12.2022.

If you are planning to borrow less than 20 000 EUR for home improvement – we recommend taking a look on this loan conditions.

A loan for purchase and installation of solar panels, a heat pump or wind generators.

A loan suitable for energy efficient solutions in your house.
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Agreement fee 0 EUR

Small Loan for turning plans into a reality

Until 31 October loan agreement fee – 0 EUR.

  • A loan from 300 to 12,000 EUR
  • Money in your account immediately after signing the contract
  • Early repayment without any fees