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Private

Consumer loans online

 
  • Annual interest –  from 7.9 per cent

  • Repayment maturity – up to 5 years

  • Loan prepayment fee – EUR 0

 

  • Annual interest –  from 7.9 per cent

  • Repayment maturity – up to 5 years

  • Loan prepayment fee – EUR 0

Would you like to fill out an application?

Do you want to receive our advice first?


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.

What could be the amount of a consumer loan you can issue?

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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.

 
Annual interest from 7.9 to 15 per cent. Loan maturity from 4 to 60 months.

 

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:

  • wages
  • other regular income received under author's agreements, from business activity, lease and otherwise supported by relevant documentation

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)
• from EUR 300 to 30,000 (if the family income is assessed)

Loan maturity may range from 4 months to 5 years.
Upon taking a decision to issue a loan, we transfer money to your indicated account with SEB Bank immediately. i.e. on the contract conclusion date.

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

 

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  +370 5 268 2800.


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
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  +370 5 268 2800.

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.

Documents required from you and your spouse

  • Loan application
  • Personal identity documents (passport of a Lithuanian national or personal identity card)
  • Consents to retrieving your data from external databases

Additional documents that may be required

  • Statements on wages from the last 12 months (on the employer's letterhead signed by the head and CFO of the company and sealed)
  • Employment contracts
  • A tax return approved by the State Tax Inspectorate if you are a sole proprietor
  • Author's contracts if you receive part of your income under such contracts
  • Other certificates or documents which testify to your family income

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  +370 5 268 2800.


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.

Contact

  • Private customers
    +370 5 268 2800
    (I–V 8.00–20.00 
    VI 9.00–18.00 
    VII 9.00–16.00)
  • Business customers

    +370 5 268 2822
    (I–V 8.00–17.00)
  • "Skype"
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