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Credit line

If you are not yet a customer of Swedbank, Credit line application fill in here.

Important information!

From 01.07.2023, no new credit line agreements will be offered, but existing agreements will remain in force according to their terms.

  • If you're planning bigger purchases, check out the Small Loan possibilities – from EUR 300 to EUR 20 000
  • For safe travels and purchases, a credit card is a good idea – comes with complementary insurance, interest-free period on the credit limit, and discounts
From 1 July 2023, no new credit line agreements are offered (applying is not possible), while existing credit line agreements continue to be in effect according to their terms. You can contact us to change your monthly payment date, partially repay the principal amount or close an existing agreement by sending us an Internet Banking message. If a customer has taken out a credit line on 1 March 2023 for one year, they can use the credit line at their discretion for the entire 12 months. If at the end of February of the following year the customer chooses not to renew the agreement or no longer meets the requirements of the agreement, the loan drawdown deadline is 28 February 2024 and repayments must start from March. If the credit line limit is EUR 4800 and the repayment period is the maximum possible, i.e. 48 months, the monthly repayment instalment is EUR 100. The amount is the same even if only part of the credit limit has been used at the time of the loan drawdown deadline. In such an event, the limit will be repaid faster. In the above example, where the loan drawdown deadline is 28 February 2024, and assuming that the customer has used EUR 2000 out of EUR 4800, the possibility to draw the remaining EUR 2800 will be closed and the customer will have to repay EUR 2000. The repayable amount of EUR 2000 is divided by the repayment instalment of EUR 100 calculated previously, resulting in a repayment term of 20 months. After the credit line expires, the available limit decreases each month during the 20-month term – in the first month the available limit is EUR 2 000, in the second month EUR 1 900, and so on. If the entire remaining credit limit on the credit line account is exhausted on the repayment date, a repayment of EUR 100 is debited from the customer's current account. If the loan amount in the credit line account is not exhausted and funds are available there, the limit available on the credit line account is simply reduced by EUR 100. If only EUR 50 of the credit limit remains undrawn, the limit is still reduced by EUR 100 - EUR 50 from the credit line account and EUR 50 from the current account. Interest and/or the commitment fee must also be paid after repayment of the loan principal. These payments are always debited from the customer's current account. Interest is calculated on the drawn credit limit and the commitment fee is calculated on the amount that is not drawn but can be used as a loan by the customer. The credit line agreement is terminated with the last scheduled payment when the customer has repaid the full amount of the loan drawdown and paid the interest and the commitment fee. Alternatively, you can deposit the entire credit limit drawdown and contact us by sending us an Internet Banking message and stating your wish to close a credit line agreement.
Service Price, EUR
Receiving
Setting up and disbursement of credit Easier via Internet Banking 2% of the amount. min. 25.00 The fee is withheld from the amount of credit granted.
Disbursement of additional amount Easier via Internet Banking 2% of the amount. min. 25.00
Using
Interest rate From 19% per annum The interest rate is set for each customer individually and interest accrues on the credit line limit in use.
Commitment fee 1.2% per annum Charged on the credit line limit not in use.
Change of monthly payment date Best value via Internet Banking 0.00 - 7.00

Via Internet Banking - 0.00

At branches - 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 via Internet Banking Free of charge No fee will be charged if no other changes are made in the credit line agreement.
Closing
Full early repayment of the credit Easier via Internet Banking Free of charge

Effective from 18.04.2017.

Service Price, EUR
Using
Interest rate From 20% a year The interest rate is set for each customer individually and interest accrues on the credit line limit in use.
Annual fee for using the credit line 7.11 On each anniversary of the agreement, the annual fee is debited from the account in which the credit was disbursed.
Change of monthly payment date Best value via Internet Banking 0.00 - 7.00

Via Internet Banking - 0.00

At branches - 7.00

Other changes in the credit agreement Best value via Internet Banking 7.00 - 14.00
Early partial repayment of credit Easier Internet Banking Free of charge No fee will be charged if no other changes are made in the credit line agreement.
Closing
Full early repayment of the credit Easier Internet Banking Free of charge

Effective from 18.04.2017.

Loan that can help you to fulfill your plans!

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

Suggestions for financial stability during the period of loan

  • Borrow reasonably. Before committing yourself to a loan, assess your capabilities to repay the loan and think about how the monthly payment could affect your day-to-day living.
  • Make your monthly payments on time. Each day of delay in loan repayments affects your credit history. This may make it more difficult for you get a loan in the future.
  • Create some cash stash. This will serve as a safety net in unexpected situations.
  • Have your salary and other income transferred to your Swedbank account - entrusting your finances to Swedbank will guarantee you better terms and conditions on our banking services.
  • If the date when you receive your regular income changes, make sure you also change the date of your monthly payments.

Filling out the application on the Internet Banking site is convenient and very simple!

You only need to do a couple of things - fill out the mandatory fields on the application form and send the application.

To fill out the application, follow these steps:

  1. Enter information about the credit (purpose, amount, repayment period, monthly payment).
  2. Enter information about your income.
  3. Enter your contact details.
  4. Send application to the bank.

After receiving your application, a bank employee will contact you to arrange the next steps.

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

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

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

Swedbank
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Special offer

Apply for the Gold Credit Card by 19 June

Special offer!
Monthly fee in the first half-year – 0 EUR.

The credit card with travel insurance for you and the family.