Calculate the deal
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5 000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6 529,79. Your monthly payment would be EUR 106,61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,80 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year;
- EUR 75 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions: the loan is paid out on the date the agreement is signed; the interest rate and fees stay the same during the whole loan period; you meet all the terms of the loan agreement on time.
The APRC is shown to help you easily compare different loan offers.
What SEB offers
- No collateral required
- Money to your account immediately
- SEB Loan Protection keeps you safe from the unexpected
- No fee for early repayment
A well-considered purchase may be a step towards a more environmentally friendly lifestyle
There is no doubt that excessive consumerism has become a major problem relating to climate change and created many negative consequences for the environment. Everything we buy has an environmental impact. That's why we encourage conscious consumption: only consider buying a product or service you need and evaluate whether the use of that product or service can contribute towards mitigating climate change.
If you are planning to purchase an environmentally friendly purchase, fill in the Consumer loan application and choose “Environmentally friendly expenses”.
Which credit suits you?
Select your goal and we will help you to choose the right solution.
More about consumer loan
| Services | Charges |
|---|---|
| Annual interest rate | According to the individual agreement |
| Contract fee | 1.5% of a relevant loan amount, at least EUR 50 |
| Amendment to terms and conditions of a loan agreement | Free of charge |
| Deferment of loan instalments | Free of charge |
| Loan prepayment fee | Free of charge |
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5 000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6 529,79. Your monthly payment would be EUR 106,61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,80 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year;
- EUR 75 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions: the loan is paid out on the date the agreement is signed; the interest rate and fees stay the same during the whole loan period; you meet all the terms of the loan agreement on time.
The APRC is shown to help you easily compare different loan offers.
For more information about a loan, lending terms and fees please contact us at
The total amount of monthly instalments paid to various credit institutions should not exceed 40 per cent of your total monthly net income.
Borrowing is always associated with the risk of being unable to fulfil your assumed obligations properly and in due time. Based on our long-term lending practices, we analyse the situation of every applicant with care and responsibly assess their capacity to repay the loan.
Before you decide to apply for a loan, consider the borrowing-related risks. Use the consumer loan calculator to calculate a loan installment that you could pay the bank every month without difficulty. Also, read the list of documentation required to get a loan.
The bank has the right to refuse awarding you a loan after it has analysed the available information about you.
We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.
| Basic lending conditions | ||
|---|---|---|
|
Requirements for the borrower |
Loans are available to adult nationals of the Republic of Lithuania and individuals with a permit of permanent residence in Lithuania who are receiving permanent income, in particular:
|
|
|
Amount and maturity |
The amount of the loan depends on the family's financial ability to repay the loan and may be as follows:
Loan maturity may range from 12 months to 7 years. |
|
| Collateral |
To obtain a consumer loan, no property pledge is required. |
|
|
Grace period |
If you are facing an emergency, you can file us a request to postpone payment o instalments without changing the final loan maturity date. During the grace period only interest is payable. |
|
| Emergency: | Grace period: | |
| you lose job | up to 3 months | |
| your income drops | up to 3 months | |
| family loses breadwinner (spouse) | up to 3 months | |
| you become ill or have an accident which has kept you off work for more than 2 months | up to 3 months | |
| divorce | up to 3 months | |
| in case of compulsory initial military service | within the entire period of compulsory military service | |
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5 000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6 529,79. Your monthly payment would be EUR 106,61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,80 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year;
- EUR 75 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions: the loan is paid out on the date the agreement is signed; the interest rate and fees stay the same during the whole loan period; you meet all the terms of the loan agreement on time.
The APRC is shown to help you easily compare different loan offers.
For more information about a loan, lending terms and fees please contact us at
The total amount of monthly instalments paid to various credit institutions should not exceed 40 per cent of your total monthly net income.
Borrowing is always associated with the risk of being unable to fulfil your assumed obligations properly and in due time. Based on our long-term lending practices, we analyse the situation of every applicant with care and responsibly assess their capacity to repay the loan.
Before you decide to apply for a loan, consider the borrowing-related risks. Use the consumer loan calculator to calculate a loan installment that you could pay the bank every month without difficulty. Also, read the list of documentation required to get a loan.
The bank has the right to refuse awarding you a loan after it has analysed the available information about you.
We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.
Simple to apply
- Send us the filled application
- We will contact you with proposal or additional questions
- After a positive decision, sign the agreement in the internet bank
Increases your sense of security when taking a loan
- Increases your sense of security in performing your loan obligations
- Will protect yourself in case of unexpected events
