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Small loan

Loans that help

A small loan is a great solution if you need to renovate your home, buy new furniture for the terrace, repair your car or to finance your next big thing.

  • Borrow from 300 up to 12 000 € without collateral.
  • Money is transferred to the account immediately after the conclusion of the contract.
  • Interest rate from 11,9%.
Fill out the application

It takes only 1-2 minutes to fill loan application.

Calculate the monthly payment

Amount of the loan
Period of the loan

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 consumer credit.

  • 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.
  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 340 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.


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 11.9% 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

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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.

If you are planning to borrow more than 5000 EUR for home improvement - we recommend taking a look on this loan conditions.

Especially worth pay by credit card for expensive purchases because for most of them is valid purchases insurance. Credit card will be useful as well if you need extra money in small amounts for short time.

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

A loan suitable for buying and installing solar panels to produce electricity for your own needs.

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