https://www.citadele.ee/en/private/consumer

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Consumer loan from 500 EUR up to 7000 EUR | Bank Citadele

Consumer loan

Financing from 500 up to 7000 EUR

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Apply online

Fill in an application even if you are a client of another bank

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Individually calculated offer

Receive an offer within 20 minutes

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Financing of up to 7000 EUR

Receive a loan without collateral or security

Dreams that need to become reality

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Home renovations, a long-awaited family trip, a car you’ve had your eye on, education for personal growth, a bigger purchase close to your heart - dream carefully, because dreams can come true! Especially if you have more opportunities with a consumer loan. Finding out is simpler than simple, even if you’re not a Citadele client.

Consumer loan calculator

Calculate and find out your monthly payment

500 EUR
7000 EUR
12 months
60 months
Annual percentage rate: 13.34 %
Commission fee: 75.00 EUR
Interest rate: 11.00 %
Total amount payable: 4506.60 EUR
Monthly payment
123.10 EUR
Loan schedule
The calculations made using the calculator are informative and each client's situation is assessed individually.

Apply and sign remotely

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Apply online, even if you are not a Citadele customer. Conveniently sign the loan agreement in the interent bank and receive the money in your account within a few minutes.*

Apply
From 500 to 7000 EUR

Consumer loan

To reach your goals. Loan term of up to 60 months with annual interest rate from 11% and a agreement fee of 2% of the loan amount**

  • Home renovation
  • New household appliances
  • Car repair
  • Larger purchases or small daily needs
Apply
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consumer-7

X supreme or X prime card

Secured and insured when you travel.

  • Get a credit limit up to 7000 EUR for your chosen goal
  • Pay back what you have spent in the way that is most convenient to you - all at once or gradually. Up to 45 days interest-free
  • Worldwide travel insurance and purchase protection
  • Earn prizes for each purchase and get discounts through the prize and discount program unique to X cards - X REWARDS
  • Become Citadele customer online and apply for a card
Read more

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

How does the bank evaluate my creditworthiness?

Credit rating is formed by evaluating and summing up various criteria according to a special formula - credit history, income and expense ratio, length of service in the current job, type of income source and other factors. Each customer is getting an individual credit rating. Based on this, the bank determines the level of a person's creditworthiness, the available interest rate and the available lending services.

If a person applies for a consumer loan, the bank checks the submitted data. It checks the client's income indicated in the questionnaire, and it is evaluated whether late payments have been registered. If the debt was more than two years ago, the credit rating will be better than for a recent debtor or an existing debtor. This means that everyone can improve their creditworthiness by paying off their debts.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

What are the most common reasons, why people can't get consumer loan?

In about 30% of cases the reason for rejection is late payments, which are registered in one of the registers. In another 30% of cases, the consumer loan is denied because of insufficient income level for additional obligations. It is important to be aware that only official income is taken into account. In another 25% of cases, the deny of a consumer loan issuing is related to the fact that a person already has too many loans.

What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

How does the bank evaluate my creditworthiness?

Credit rating is formed by evaluating and summing up various criteria according to a special formula - credit history, income and expense ratio, length of service in the current job, type of income source and other factors. Each customer is getting an individual credit rating. Based on this, the bank determines the level of a person's creditworthiness, the available interest rate and the available lending services.

If a person applies for a consumer loan, the bank checks the submitted data. It checks the client's income indicated in the questionnaire, and it is evaluated whether late payments have been registered. If the debt was more than two years ago, the credit rating will be better than for a recent debtor or an existing debtor. This means that everyone can improve their creditworthiness by paying off their debts.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

What are the most common reasons, why people can't get consumer loan?

In about 30% of cases the reason for rejection is late payments, which are registered in one of the registers. In another 30% of cases, the consumer loan is denied because of insufficient income level for additional obligations. It is important to be aware that only official income is taken into account. In another 25% of cases, the deny of a consumer loan issuing is related to the fact that a person already has too many loans.

More opportunities

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Financing up to 7000 EUR without any additional collateral or security.
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Most convenient cards for everyday needs, as well as for shopping and travels.
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Leasing

Quick and easy application. Down-payment starting from 0%.
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* To borrow, you must be at least 18 years of age, and you must have a regular, stable and verifiable monthly income. Borrow responsibly and assess your ability to repay the loan.
** The calculations made using the calculator are of an informative nature and each client's situation is assessed individually. The initial annual percentage rate is 13.29 % on the following sample: amount of credit 2000 EUR, interest rate 11 % per year (fixed rate), contract fee 50 EUR, period 48 months, monthly payments 51.87 EUR, total amount of repayment 2539.76 EUR.
*** Presuming the loan interest rate is 7.9 % per year, the total loan amount is 700 EUR the loan agreement is for 12 months, the commission fee is 35 EUR, and the Annual Percentage Rate (APR) is 19.06 %, the total amount the customer would have to repay is 765.68 EUR, and the monthly repayment amount is 60.89 EUR.

This is the website of the financial service providers AS Citadele banka Estonian branch, SIA Citadele Leasing Estonian branch ja OÜ Citadele Factoring. We advise you to carefully read the terms and conditions of our service before entering into a contract and consult an expert, if necessary. Citadele does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.