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Choose a loan that suits you best and fulfil your plans

  • 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 July Small loan and Home Small loan agreement fee – 0 EUR.

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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 11 000 EUR or more for car purchase, we can offer especially good Car lease conditions. Find out more
Agreement fee 0 EUR

Small loan

Car loan
Greener choice

Financial lease
Greener choice

Operating lease
Agreement fee 0 EUR

Home small loan
Greener choice

Mortgage Loan

Home equity loan
Greener choice

Solar loan
Greener choice

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 15)

 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 1.70 – 5 EUR
 Document processing - free
CASCO insurance

Recommended

Recommended

Mandatory

15% discount*

* If the leasing application is filled out via Internet Banking. Offer valid until 30.09.2025.

Mandatory

15% discount*

* If the leasing application is filled out via Internet Banking. Offer valid until 30.09.2025.

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

 

 

 

 

 

 

 

0,5% of the used credit amount
Interest rate From 9.9% From 7.9%
  • From 2.29% + 6m Euribor
  • For eco-friendly cars from 1.49% + 6-mon. Euribor
  • From 2.29% + 6m Euribor
  • For eco-friendly cars from 1.49% + 6-mon. Euribor
 From 7.9%
  • From 1.99% + 6-mon. Euribor
 2.39% + 6m Euribor Fixed rate – 5.9% From 1.45% + 6-mon. Euribor 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

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: loan amount - 5000 EUR, repayable within 2 years (24 months), interest rate applied – 15,9%, monthly payment – 254,32 EUR, agreement fee – 100 EUR, annual percentage rate (APR) – 19,89%, total amount repayable – 5951,84 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 finance lease expenses: if you take out a 5-year finance lease to buy a car for 25 000 EUR and make a down payment of 15% of the purchase price (3750 EUR), the amount financed is 21 250 EUR, the interest rate applied is 2.29% + 6M Euribor (Euribor value on 29.10.2024 – 2.886%), and the fee – 1.5% of the car’s purchase price, then the monthly payment will be 403 EUR and the annual percentage rate (APR) – 6.17%. Total amount repayable – 24 538.77 EUR (excluding the down payment).

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 1.99% + 6 month EURIBOR (4.07% on 18.09.2023), the monthly payment is 468 EUR, the disbursement fee – up to 1.2% of the credit amount. The APR calculated for the customer is 6.4% and the total amount payable is 112 632 EUR. Changes in the EURIBOR value will affect the amount of monthly payments, APR and the total amount repayable.

Representative example of Home equity loan expenses: When a loan of 50 000 EUR is taken out for a period of 20 years, the applied interest rate is 2,39% + 6 months Euribor (2,12% on 20.05.2025), the monthly payment is 318,14 EUR, the loan disbursement fee is up to 1.2% of the loan amount. Annual percentage rate (APR) – 4,82%. Total amount repayable by the consumer – 76 953,60 EUR. Changes in the Euribor value will affect the amount of monthly payments, APR and the total amount repayable.

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 1,45% + 6 months Euribor (2,12% on 20.05.2025), the monthly payment is 205,09 EUR, the loan disbursement fee is 420 EUR. Annual percentage rate (APR) – 3,83%. Total amount repayable by the consumer – 49 638,82 EUR. Changes in the Euribor value will affect the amount of monthly payments, APR and the total amount repayable.

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.

Suitable for buying a new or more expensive car.

For purchase and installation of solar panels, a heat pump or wind generators.

Favourable % rate!

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”.

Agreement fee 0 EUR!

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

All financial services agreements in one place. No worries about payments as they will be debited automatically from your current account.

Suitable for buying a new or more expensive car.

-15% for CASCO insurance if the leasing application is filled out via Internet Banking.

Offer valid until 30.09.2025.

Free technical assistance for the car and guaranteed use of original spare parts when repairing cars not older than 5 years.

 Agreement fee 0 EUR

For property purchase or renovation of your own property.

For purchase and installation of solar panels, a heat pump or wind generators.

Favourable % rate!

A loan suitable for energy efficient solutions in your house.
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Small Loan for turning summer plans into a reality

Until July 31, loan agreement fee – 0 EUR

  • Fill out application in few minutes
  • Money in your account immediately after signing the contract
  • Early repayment without any fees

Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

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