Swedbank Personal Loan Swedbank Lietuva
€8.90 % APR
- Interest Rate (APR): From 8.9% APR
- Loan Amount: €500–€50,000
- Loan Term: 1–10 years
- Min Monthly Income: €700/month
Compare Personal Loans in Lithuania
Live offers across tracked providers in Lithuania — updated daily from the Giraffy database.
Live offers
4 live offers compared from 4 providers, from €8.90 % APR. Updated daily.
SEB Personal Loan SEB Lietuva
€9.20 % APR
- Interest Rate (APR): From 9.2% APR
- Loan Amount: €500–€40,000
- Loan Term: 1–8 years
- Min Monthly Income: €600/month
Šiaulių Bankas Personal Loan Šiaulių Bankas
€9.50 % APR
- Interest Rate (APR): From 9.5% APR
- Loan Amount: €500–€30,000
- Loan Term: 1–7 years
- Min Monthly Income: €600/month
Luminor Personal Loan Luminor Lithuania
€9.90 % APR
- Interest Rate (APR): From 9.9% APR
- Loan Amount: €500–€25,000
- Loan Term: 1–7 years
- Min Monthly Income: €700/month
What is a Personal Loan in Lithuania?
A personal loan (vartojimo paskola) is an unsecured consumer loan you borrow for a general purpose — home improvements, a large purchase, or consolidating other debts — and repay in fixed monthly instalments over a set term. Because it is unsecured, no collateral is required, and the interest rate reflects your credit profile. In Lithuania personal loans are offered by banks, credit unions and licensed consumer-credit firms.
How the Lithuanian market works
Banks and non-bank consumer-credit providers compete on the annual interest rate, fees and loan size. Lending is governed by the Bank of Lithuania's responsible-lending rules, which require affordability assessments and cap how much of your income can go to debt servicing. Loans are quoted with an annual percentage rate (APR) that includes fees, making offers comparable. Terms typically span one to several years, with fixed monthly repayments.
Benefits
No collateral — Unsecured lending means you do not risk your home or car.
Predictable repayments — Fixed instalments over a set term make budgeting straightforward.
Flexible use — Funds can be used for most purposes, from renovation to debt consolidation.
Fast access — Many lenders offer quick online decisions and rapid disbursement.
How to choose
Compare the APR rather than the nominal rate, since APR includes fees and reflects the true cost. Check the total amount repayable over the term, as a longer term lowers monthly payments but raises total interest. Confirm any arrangement fee, early-repayment terms and whether the rate is fixed. Borrow only what you can comfortably afford within the responsible-lending affordability check, and compare bank and non-bank offers.
Leading providers in Lithuania
Swedbank Lietuva, SEB Lietuva and Luminor Lithuania — the three largest banks — offer personal loans with competitive rates to existing and new customers. Šiaulių bankas, the Lithuanian-owned bank, is also active in consumer lending. Licensed non-bank consumer-credit firms provide additional options, often with faster online decisions. Comparing rates and total cost across bank and non-bank lenders helps find the best deal.
What it costs
Personal loan rates in Lithuania commonly fall in the region of about 8.9% to 9.9% annual interest for typical borrowers, though your rate depends on credit profile, loan size and term. On top of interest, watch for an arrangement fee, which the APR captures. A shorter term reduces total interest paid. Early repayment is generally allowed, sometimes with a small charge, so check the terms.
Protections and regulation
Consumer lending is regulated by the Bank of Lithuania under consumer-credit and responsible-lending rules, which require affordability checks, cap debt-service ratios and mandate clear disclosure of the APR and total cost. EU consumer-credit rules grant a right to pre-contract information, a withdrawal period and early repayment. Disputes can be raised with the lender or the Bank of Lithuania.
Common questions
Do I need collateral? — No, personal loans are unsecured. What rate should I expect? — Commonly around 8.9%–9.9%, depending on your profile and term. How is the cost compared? — Use the APR, which includes fees, to compare offers fairly. Can I repay early? — Yes, with early-repayment rights, though a small charge may apply.
The cheapest Personal Loans in Lithuania is €8.90 % APR from Swedbank Lietuva.
Personal Loans in Lithuania — FAQ
What is the best personal loan rate in Lithuania right now?
Giraffy tracks 4 personal loan products across Swedbank Lietuva,SEB Lietuva,Šiaulių Bankas,Luminor Lithuania lenders in Lithuania. The lowest APR tracked on Giraffy is currently €8.90 % APR. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
What factors affect my personal loan interest rate?
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
How much can I borrow with a personal loan?
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
What is the difference between a secured and an unsecured personal loan?
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Can I repay a personal loan early?
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
How quickly can I get a personal loan?
Many lenders in Lithuania offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
What is APR and why does it matter when comparing personal loan offers?
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.