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  1. Private customers
  2. Loan consolidation and refinancing

Loan consolidation and refinancing

Consolidate several loans from different lenders for a lower monthly payment.


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Apply
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Refinancing of up to 20 000 EUR

Consolidate up to three loans from other lenders.

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Individually-calculated offer

Apply online and receive an offer within 15 minutes, even if you are not a Citadele customer.

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Easy to apply

Sign a loan agreement online and receive the money in your Citadele account within a few minutes.

What loans can I refinance and consolidate?

We offer the chance to consolidate up to three loans taken out with other lenders.

  • Consumer loans
  • Credit card balances
  • Car loan
  • Leasing
Apply

It is important that your current loan provider is a member of the Bank of Latvia Credit Register.
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.

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Credit calculator

Existing loan
300  EUR
20 000  EUR
info The minimum amount to be refinanced is 1000 EUR
Choose term
12  months
84  months
Annual interest rate: 10.49 %
All results are informative and based on approximate calculations. Borrow responsibly with full, regard to your ability to repay the loan.
Presuming the loan interest rate is 9.9 % per year, the total loan amount is 5000 EUR the loan agreement is for 60 months, the commission fee is 100 EUR, and the annual percentage rate (APR) is 11.50 %, the total amount the customer would have to repay is 6383.40 EUR, and the monthly repayment amount is 106.39 EUR.
Apply

How do I consolidate and refinance my loans?

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Apply

Fill in an application online. If you are a Citadele customer, you can also apply through the mobile app or online bank.
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View your offer

Receive an offer within 15 minutes and see what sum and interest rate are available to you.
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Sign an agreement

Sign through the mobile app, online bank or at a branch and receive the money in your Citadele account within a few minutes.
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Pay off your previous loans

Pay off your refinanced loans in full within 10 days.
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Apply

Fill in an application online. If you are a Citadele customer, you can also apply through the mobile app or online bank.
icon

View your offer

Receive an offer within 15 minutes and see what sum and interest rate are available to you.
icon

Sign an agreement

Sign through the mobile app, online bank or at a branch and receive the money in your Citadele account within a few minutes.
icon

Pay off your previous loans

Pay off your refinanced loans in full within 10 days.

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What means loan refinancing and consolidation and what loans can be refinanced and consolidated?

Loan refinancing and consolidation means several loans from different lenders transfer to Citadele. Under one agreement, you can refinance and consolidate up to three active loans. The following loans can be refinanced:

  • consumer loans;
  • credit card balances;
  • car loan;
  • leasing.

It is important that the current lender is a member of the Bank of Latvia Credit Register.

How do I apply to refinance and consolidate my loans with Citadele?

To apply to refinance your loans and transfer them to Citadele, you must fill in an application to receive a loan offer. When filling, in the form select “Refinancing”. After filling in the application, we will prepare an offer within around 15 minutes.

Can I refinance loans taken out with other lenders at Citadele?

Yes, you can refinance and consolidate your existing credit card balances, consumer loans or leasing agreements with Citadele. You can refinance or consolidate up to three active loans as part of one refinancing agreement. After signing the agreement with Citadele, you have 10 days to repay the loans to be refinanced to the original lender.

More questions
What means loan refinancing and consolidation and what loans can be refinanced and consolidated?

Loan refinancing and consolidation means several loans from different lenders transfer to Citadele. Under one agreement, you can refinance and consolidate up to three active loans. The following loans can be refinanced:

  • consumer loans;
  • credit card balances;
  • car loan;
  • leasing.

It is important that the current lender is a member of the Bank of Latvia Credit Register.

How do I apply to refinance and consolidate my loans with Citadele?

To apply to refinance your loans and transfer them to Citadele, you must fill in an application to receive a loan offer. When filling, in the form select “Refinancing”. After filling in the application, we will prepare an offer within around 15 minutes.

Can I refinance loans taken out with other lenders at Citadele?

Yes, you can refinance and consolidate your existing credit card balances, consumer loans or leasing agreements with Citadele. You can refinance or consolidate up to three active loans as part of one refinancing agreement. After signing the agreement with Citadele, you have 10 days to repay the loans to be refinanced to the original lender.

More opportunities

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Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
Find out more
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Small home loan

Financing up to 25 000 EUR for purchasing, renovating or furnishing. With no deposit, collateral and security.
Find out more
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C supreme and C prime

Always available additional funding, extensive travel and purchase insurance and discounts both in Latvia and abroad.
Find out more
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Car loan

Financing of up to 20 000 EUR with no deposit or CASCO.
Find out more
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