If you are married and in the application you have indicated your spouse’s data, the application will be accepted after your spouse has approved it. Immediately after that, we will send SMS text message. If any additional information is required, we will contact you within one business day.
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If you received a EUR 3,000 consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 4,093.67, monthly payment will be EUR 66.65.
The amount includes the consumer loan interest paid over the loan maturity (12 per cent interest rate was applied) the administration fee EUR 50 and the account maintenance fee EUR 0.70.
In this case the annual percentage rate of charge would be 14.25 per cent. The annual percentage rate of charge is provided to help you compare different offers.
Basic lending conditions | ||||||||||||||||
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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:
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Amount and maturity |
The amount of the loan depends on the family's financial ability to repay the loan and may be as follows: • from EUR 300 to 15,000 (if one person’s income is assessed) Loan maturity may range from 4 months to 5 years. |
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Collateral |
To obtain a consumer loan, no property pledge is required. |
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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.
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Example of calculating the annual percentage rate of charge |
If you received a EUR 3,000 consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 4,093.67, monthly payment will be EUR 66.65. The amount includes the consumer loan interest paid over the loan maturity (12 per cent interest rate was applied) the administration fee EUR 50 and the account maintenance fee EUR 0.70. In this case the annual percentage rate of charge would be 14.25 per cent. The annual percentage rate of charge is provided to help you compare different 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, so 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 instalment that you could pay the bank every month without difficulty and read the list of documentation required to obtain 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.
Services | Prices |
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Annual interest rate | according to the individual agreement |
Loan documents drafting and administration (related to issuance of a loan or amendment of terms and conditions of a loan agreement) | 1,5 % of a relevant loan amount, min EUR 50 |
Loan prepayment fee | free of charge |
For more information about a loan, lending terms and fees please contact us at
If you received a EUR 3,000 consumer loan in euros for 5 years, the total amount payable by the consumer would be EUR 4,093.67, monthly payment will be EUR 66.65.
The amount includes the consumer loan interest paid over the loan maturity (12 per cent interest rate was applied) the administration fee EUR 50 and the account maintenance fee EUR 0.70.
In this case the annual percentage rate of charge would be 14.25 per cent. The annual percentage rate of charge is provided to help you compare different offers.
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, so 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 instalment that you could pay the bank every month without difficulty and read the list of documentation required to obtain 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.
In each individual case we may ask you for more documentation.
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, so 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 instalment that you could pay the bank every month without difficulty and read the list of documentation required to obtain 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.
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