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Consumer loan

Consumer loans for your personal or family needs
Home Private Loans Consumer loan
  • Consumer loan
  • Home improvement loan
  • Car loan

Consumer loans without collateral

Consumer loan can be up to EUR 25 000 Up to EUR 15 000 can be paid out IN CASH!

Submit application Rates
Consumer loans for private

A consumer loan to make your plans a reality

Urbo bank's consumer loans will help you fulfill a wide range of personal or family needs. A consumer loan can be granted for the purchase of a new or used car, home improvement or furnishing, as well as for other plans you may have. Consumer loans are provided without collateral. The loan is transferred to your bank account (this can be an account in any bank registered in Lithuania). Additionally, the loan can be disbursed in cash if the amount does not exceed EUR 15 000. Fast loan processing will help you successfully realize your plans in the shortest possible time.

Consumer loan amount from EUR 500 to EUR 20 000

Loan for a period of up to 7 years

We disburse the loan in cash or by wire transfer

In most cases, it takes us only 15 minutes to make a decision

Consumer loan calculator

Credit amount

€
Min 500 €
Max 15000 €

Period

month
Min 6 month
Max 84 month

Credit amount

€
Min 500 €
Max 20000 €

Period

month
Min 6 month
Max 84 month

Preliminary average monthly payment

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge for consumer credit (APRC):

For a borrowing of EUR 10 000, when the loan agreement is concluded for a period of 60 months, the annual interest rate is 10.90%, the agreement fee of 0.00% of the loan amount is EUR 0.00, the agreement administration fee of 0.00% of the initial loan amount is EUR 0.00 per month, the monthly payment is EUR 216.93, and the total amount to be paid by the borrower is EUR 13015.55, the APRC is 11.45%.

The APRC and the total amount payable by the borrower are calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the terms and conditions, interest and charges remain unchanged throughout the lifetime of the loan, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rates range from 10.00% to 20%. Repayment period ranges from 6 to 84 months, depending on the purpose of the consumer credit.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

Preliminary average monthly payment

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge for consumer credit (APRC):

For a borrowing of EUR 10 000, when the loan agreement is concluded for a period of 60 months, the annual interest rate is 10.90%, the agreement fee of 0.00% of the loan amount is EUR 0.00, the agreement administration fee of 0.00% of the initial loan amount is EUR 0.00 per month, the monthly payment is EUR 216.93, and the total amount to be paid by the borrower is EUR 13015.55, the APRC is 11.45%.

The APRC and the total amount payable by the borrower are calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the terms and conditions, interest and charges remain unchanged throughout the lifetime of the loan, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rates range from 10.00% to 20%. Repayment period ranges from 6 to 84 months, depending on the purpose of the consumer credit.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

month
Min 6 month
Max 84 month
€
€
month
Min 6 month
Max 84 month
€
€

Preliminari didžiausia galima paskolos suma

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge for consumer credit (APRC): For a borrowing of EUR 10 000, when the loan agreement is concluded for a period of 60 months, the annual interest rate is 10.90%, the agreement fee of 0.00% of the loan amount is EUR 0.00, the agreement administration fee of 0.00% of the initial loan amount is EUR 0.00 per month, the monthly payment is EUR 216.93, and the total amount to be paid by the borrower is EUR 13015.55, the APRC is 11.45%.

The APRC and the total amount payable by the borrower are calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the terms and conditions, interest and charges remain unchanged throughout the lifetime of the loan, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rates range from 10.00% to 20%. Repayment period ranges from 6 to 84 months, depending on the purpose of the consumer credit.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

Preliminari didžiausia galima paskolos suma

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge for consumer credit (APRC): For a borrowing of EUR 10 000, when the loan agreement is concluded for a period of 60 months, the annual interest rate is 10.90%, the agreement fee of 0.00% of the loan amount is EUR 0.00, the agreement administration fee of 0.00% of the initial loan amount is EUR 0.00 per month, the monthly payment is EUR 216.93, and the total amount to be paid by the borrower is EUR 13015.55, the APRC is 11.45%.

The APRC and the total amount payable by the borrower are calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the terms and conditions, interest and charges remain unchanged throughout the lifetime of the loan, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rates range from 10.00% to 20%. Repayment period ranges from 6 to 84 months, depending on the purpose of the consumer credit.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

Consumer loan for your various needs

For home improvement and furnishing
Improve and refurbish your home
Purchase a new or used vehicle
Purchase a new or used car or another vehicle of your choice
Purchase furniture or household appliances
Purchase the furniture or household appliances you need
For your personal ideas
Bring your plans or ideas to life
Consumer loan for home improvement or a car

We will help you make your other plans a reality!

Home improvement loan or a car loan

  • Furnish or renovate your home with a home improvement loan from Urbo bankas for up to EUR 25 000 and 10 years;
  • If you repair your car every month, maybe it is time to buy a new one? A car loan from Urbo bankas for up to EUR 20 000 and 7 years.
Consumer loans
Mortgage loan refinancing

If you are planning to buy a new home!

Apply for a new mortgage loan or refinancing now

  • Mortgage loan on particularly favourable terms;
  • The loan amount is up to 85% of the property value;
  • Possibility to refinance a mortgage loan currently held at another bank through a simplified procedure.
Mortgage loan

Frequently asked questions

Urbo Bank offers the following consumer loans:

  • Consumer loan;
  • Home improvement loan;
  • Car loan.
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Loans for consumption, home improvement or cars are available at Urbo Bank to:

  • Citizens of the Republic of Lithuania aged 21 and over with a stable income (at least 6 months);
  • Individuals whose monthly financial obligations do not exceed 40% of their fixed income.
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The loan will be credited to your bank account on the next working day at the latest.

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Consumer and car loans have a maximum repayment term of up to 7 years, while home improvement loans have a maximum term of up to 10 years. The loan is repaid in monthly instalments.

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If you have a bank account with Urbo Bank, make sure that your bank account has a sufficient balance to cover the payment on the due date.

If you do not have a bank account with Urbo Bank, you can make a payment transfer from your bank account to the loan servicing account, the number of which can be found in the special section of the credit agreement or by logging in to your Urbo Bank online banking personal account.

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