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.

A loan at the right moment

A small loan is a great solution for home improvements, new furniture, car repairs or any other bigger purchase.

Borrow from 300 up to 20 000 € without collateral
Money is transferred to the account immediately after the conclusion of the contract
Interest rate from 9,9%*

* Representative example of small loan expenses: loan amount - 2500 EUR, repayable within 5 years (60 months), interest rate applied – 9.9%, monthly payment – 53,12 EUR, agreement fee – 50 EUR, annual percentage rate (APR) – 11.479%, total amount repayable – 3237,29 EUR.

Fill in an aplication in few minutes

Get personalized offer

Sign the agreement via internet bank

Calculate your largest possible loan amount

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.

0€

Monthly payment

5 years
0
4 years
0
3 years
0
2 years
0
1 year
0
6 months
0

Monthly payment
0€

Agreement fee
0 0.00€

Basis for the calculation

The loan is suitable for turning various plans into a reality:

For consumer needs
For home improvements
For car repairs
For buying household appliances
For buying furniture
For education or qualification
For other larger purchases

Fill out the Small Loan application on the Internet Banking site or at any branch.
We will let you know about the decision made by a text message or a phone call.
Find out the offered interest rate and other terms and conditions.
Sign the agreement remotely. New lending transactions may be concluded via Internet Banking between 07.00 AM and 10.00 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.
The money will be credited to your Swedbank current account immediately after signing the agreement.
You can check your applications and agreements in the “My obligations” section.

Loan from 300 to 20,000 EUR
Interest rate from 9.9% per year. It is set for each customer individually and depends on the income, obligations and loan amount
Loan processing fee – 2% of the amount, min. 25 EUR
You must be at least 18 years of age
Income – from 400 EUR a month after taxes, with a co-borrower – from 900 EUR
Existing loan obligations are performed without any arrears

Loan repayment period from 6 months to 5 years
Monthly payments for the loan will be debited automatically from the specified Swedbank account
You can set and change the payment date, as well as keep track of the repayment schedule
The loan may be repaid early (in part or in full) without any extra charge via Internet Banking
If you exercise your right of withdrawal to cancel the agreement within 14 days of receiving the loan amount, you will have to repay the loan received plus interest on the actual use of the loan amount

Fees

Service		Price, EUR
Receiving
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
Using
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
Closing
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!

Sharing economy is a great way to satisfy our needs without buying excess stuff. It can also help you save money on maintenance.
Reduce, Reuse, Recycle. For a more mindful consumption - try this: reduce unnecessary consumption, reuse what you can and recycle what you can’t.
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

Fridge (A+++)
Washing machine (A+++)
Dryer (A+++)
TV (A+++)
Air conditioner (A+++)
Dishwasher (A+++)

Yearly electricity costs

Fridge (A+)
0EUR
Fridge (A+++)
0EUR
Washing machine (A)
0EUR
Washing machine (A+++)
0EUR
Dryer (A+)
0EUR
Dryer (A+++)
0EUR
TV (B)
0EUR
TV (A+++)
0EUR
Air conditioner (A)
0EUR
Air conditioner (A+++)
0EUR
Dishwasher (A+)
0EUR
Dishwasher (A+++)
0EUR
Total savings
0EUR
Trees needed to absorb your impact
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 purchase or renovation of your own property.

Provides support in day-to-day and urgent situations.

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

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