Navigate to main page content

Small loan

Basis for the calculation

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

The possible monthly payments for the Consumer Loan are calculated on the following assumptions:

  • loan amount - 0
  • loan period -  
  • first monthly payment - starting from the second month after agreement conclusion
  • loan interest rate - the interest rate varies on case-to-case basis, in the example - 0 %
  • loan disbursement fee -  
  • total loan amount -  
  • annual percentage rate (APR*) -   %

*APR (annual percentage rate) - the total cost of the credit, as expressed in percentage, including interest on the loan, the contract fee and other expenses associated with setting up the loan.

Agreement fee 0 EUR

A loan at the right moment

No loan agreement fee until 31 October.

  • From 300 up to 12 000 EUR
  • Interest rate from 9,9%
  • Early repayment without any fees

Fill in an aplication in few minutes Get personalized offer Sign the agreement via internet bank

Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too.

Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.

The maximum loan amount has been calculated according to the maximum repayment period of 5 years.


Monthly payment

  • 0
  • 0
  • 0
  • 0
  • 0
  • 0
  • 0
  • 0 0.00
  • 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.
Insurance for loan payments is available
  • 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 40% of the monthly income.
  • Good credit history - no delays in current loan payments.
  • Interest rate from 9.9% 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.


Service Price, EUR
Credit disbursement Easier via Internet Banking 2% of the amount. min. 25.00
Disbursement of additional amount Easier via Internet Banking 2% of the amount, min. 25.00
Interest rate From 9.9% a year
Change of monthly payment date or the linked account Best value via Internet Banking 0.00 - 7.00
Other changes in credit agreement without disbursement of additional amount (incl. restructuring) Easier via Internet Banking 25.00
Early partial repayment of credit Easier Internet Banking Free of charge
Full early repayment of the credit Easier Internet Banking Free of charge

Effective from 18.04.2017.

Every new purchase can be a step towards to a more sustainable lifestyle.

Every object we purchase has it’s own environmental footprint – based on how and from what materials it is produced, transported and discarded after being used. Many people are turning to mindful consumption and looking for solutions that are more sustainable for both planet and ourselves. Be among them!

  1. Sharing economy is a great way to satisfy our needs without buying excess stuff. It can also help you save money on maintenance.
  2. Reduce, Reuse, Recycle. For a more mindful consumption - try this: reduce unnecessary consumption, reuse what you can and recycle what you can’t.
  3. Renewable energy is one of the main drivers to tackle climate change. Having your own solar power plant is a great choice for a more sustainable lifestyle. Check out our special offer!
Sustainable products are marked with various special labels. Check them out to make a more sustainable choice when shopping.

European Union energy label

Source: European Commission

Certified B Corporation

Source: Certified B Corporation

EU Ecolabel

Source: European Commission

Household impact calculator

Click on the household's appliances and find out how much you can save while choosing more energy efficient devices.

Sustainable appliances

Yearly electricity costs

  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0EUR
  • 0

Calculations based on the average energy consumption of high/low-efficiency appliances, and electricity price of 0.164 EUR/kWh. Energy-efficient appliances may require a bigger investment at the start but they give back to energy & environment savings.

Agreement fee 0 EUR!

For property purchases or biger renovations up to EUR 20 000.

Extra money with an interest-free period, complimentary purchase and travel insurance.

Insurance that helps you with loan repayments in case of losing your job or capacity for work.

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

Agreement fee 0 EUR!

Convenient solution, if you are looking for a used car, motorcycle or any other type of vehicle.

Swedbank logo

Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

Lūdzu izmantot Google Chrome, Mozilla Firefox vai Microsoft Edge pārlūkprogrammu.

Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

Tāpat nav iespējams apstiprināt Swedbank maksājumus citās vietnēs, kā arī izmantot Swedbank autentifikāciju, piemēram,

Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

  • Jūsu ierīces operētājsistēma un pārlūkprogramma ir novecojusi un netiek atbalstīta Swedbank internetbankas lietošanai. Aicinām vērsties pie Jums uzticama IT atbalsta, lai saņemtu konsultāciju un veiktu atbilstošu operētājsistēmas un pārlūkprogrammas atjauninājumu.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

Thank you for the visit!

For security reasons, please close the browser window!


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