Navigate to main page content
Become a customer

Small loan

For larger purchases and turning plans into a reality

  • Loan from 300 to 20 000 EUR without down payment
  • Fixed interest rate from 9.9% throughout the agreement period*
  • Early repayment free of charge

* Example of the loan expenses: loan amount - 10 000 EUR, repayable within 5 years (60 months), interest rate applied – 9,9%, monthly payment – 216.10 EUR, agreement fee – 200 EUR, annual percentage rate (APR) – 11.48%, total amount repayable – 12 950,10 EUR.

Scammers are highly active!

The bank will never call you and ask you to fill out loan applications if fraudulent transactions have been detected on your account. If you've experienced a fraud attempt or your data has been divulged, call 67 444 444 immediately.

Fill out application in few minutes Sign the agreement remotely Get money in your account immediately

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.

Small loan calculator

Monthly payment

  • 0
  • 0
  • 0
  • 0
  • 0
  • 0

Insurance against borrower's unemployment and incapacity for work helps you to pay the monthly loan payments, if for more than 30 days you:

  • unexpectedly lose your job
  • stay on sick leave due to your or your child‘s illness

The insurance agreement can be concluded within a maximum of 30 days after signing the loan agreement.

  • 0
  • 35 0
  • 0

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 for loan. Fill out the loan application and find out the terms of loan offered specifically to you.

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.

Regular net monthly income at least €450, with a co-borrower at least €1200.

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.

  • 0

The data provided by the calculator is for information only, however it gives you a picture of what could be the amount of your loan. Fill out the loan application and find out the terms of loan offered specifically to you.

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 application
  • In 50% of cases, we reply within a few minutes, but processing an individual application can take a couple of business days
  • We will let you know about the decision made by a text message or a phone call.
  • Find out the interest rate and other terms and conditions offered in the agreement.
  • 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 your credit history, current obligations and loan amount
  • Loan processing fee – 2% of the amount, min. 15 EUR
  • You must be at least 18 years of age
  • Income – from 450 EUR a month after taxes, with a co-applicant – from 1200 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 your 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 perform your obligations in full early, you can apply for a proportional reduction of the total cost of credit. After full early performance of your obligations, you can apply for a reduction of the total cost of credit by sending an Internet Banking message to the bank.
  • If you exercise your right of withdrawal and notify the bank of your wish 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


Service Price, EUR
Credit disbursement Easier via Internet Banking 2% of the amount. min. 15.00
Disbursement of additional amount Easier via Internet Banking 2% of the amount, min. 15.00
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 15.00
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 01.06.2023.

General terms and conditions

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.

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.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.

Travel safely

Gold Credit Card with travel insurance

Choose a credit card with extensive travel insurance for the whole family when travelling during holidays.