Small loan

• A loan of 300 to 12,000 EUR is suitable for carrying out various plans.
• Check the available loan amount on the Internet Banking site or Swedbank mobile app.
• Repay gradually, with freedom to choose the monthly payment date and repayment period that suits you.
• A loan without any hidden fees.
• An opportunity to repay the loan early without any extra fee.
• On the Internet Banking site, you can follow the repayment schedule and, if necessary, make changes in the terms of repayment: repay the principal amount in part or in full, change the payment date.

• Log-in to see if you have a personal offer.
• You will receive the confirmation of decision by phone or via SMS message.
• We will transfer money to your account immediately after the conclusion of small loan agreement in internet bank or Swedbank app.

Log-in to see if you have a personal offer. Follow these easy four steps:

1. Fill out the consumer credit application on the internet banking or Swedbank app.
2. We will inform you about the decision by phone or via SMS message.
3. If the conditions are acceptable to you, sign the agreement in the Internet bank or Swedbank app. New lending transactions may be concluded via Internet Banking between 7 AM and 10 PM. Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.
4. We will transfer money to your account immediately after the agreement has been signed.

Eligibility requirements

• You must be at least 18 years of age.
• Income - at least 350 EUR a month after taxes.
• If you’re applying for the loan with a co-applicant, the household’s income must be at least 700 EUR after taxes.
• Regular income for at least 6 consecutive months.
• Probation period at work must be over.
• If you receive your income at another bank at the time of issuing the loan, then you must ensure income in your Swedbank account within the next 3 months and throughout the loan period.

Existing financial commitments

• Monthly expenses of covering loan obligations do not exceed 30-45% of the monthly income.
• Good credit history - no delays in current loan payments.

• Interest rate from 11.9% per year. It is set for each customer individually and depends on the loan amount.
• Loan processing fee – 2% of the amount, min. EUR 25
• If you exercise your right of withdrawal to cancel the agreement within 14 days after you have already received the loan amount, you will be required to repay loan and interest for the time the loan amount has been at your disposal.

• Monthly payments for the loan will be debited automatically from the specified loan with Swedbank.
• You are free to choose the repayment date from 1st to 28th day of the month.
• Loan repayment period from 6 months to 5 years.
• The loan may be repaid early (in part or in full) without any extra charge.

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