Luminor consumer loan for all your needs

Consumer loan for Larger Purchases

Consumer loan for Larger Purchases
  • Limited time offer – fixed 8.9 % annual interest rate and EUR 0 contract fee*
  • Loans from EUR 1,000 to EUR 15,000 for 12 to 60 months
  • No collateral or down payment required
  • Fast and convenient remote process

 

*Offer is valid for consumer loan applications submitted between 2025‑08‑18 and 2025‑09‑30.
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See what I can afford

Make your plans happen with a Luminor Consumer Loan

If you need funds for a larger purchase, new furniture, household or garden equipment, sports or travel gear, renovations, or other unexpected expenses – choose a Luminor consumer loan.

  • Limited time offer – fixed 8.9 % annual interest rate.*
  • Only till 2025‑09‑30 loan agreement fee – EUR 0.*
  • Loan Payment Insurance for your peace of mind.
  • If you pay off your loan early and shorten the loan maturity, we will recalculate the paid loan agreement fee and will repay you the share that is due. Please note that the fee will be repaid once you have paid off your loan in full.
Representative example: if the loan amount is EUR 5,000, the fixed annual interest rate is 8.9 %, the loan term is 60 months, the agreement fee is EUR 0, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 103.55, total repayment amount – EUR 6,291.00, the annual percentage rate of charge (APR) – 9.85 %.

Consumer credit calculator New

Consumer Loan Calculator

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Total sum of interest payments paid during the loan period and calculated based on the annual interest rate.Tap to close

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The account maintenance fee is EUR 1.30 per monthTap to close

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Annual percentage rate shows the total cost of the loan, expressed as an annual percentage of the total amount of the loan. The calculation takes into account all known costs, including interest costs, fees and other costs related to the loan, which you need to pay. Annual percentage rate allows you to objectively compare different loan offers.Tap to close

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The displayed result is informative and based on the approximate calculation.
 
Prior to making a decision regarding the loan and its amount, please evaluate your personal and/or family financial capabilities.

Information from previous tab is used for calculations. You can switch back and make changes if necessary.

This loan is for
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Your maximum loan amount:
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Maximum monthly loan payment: EUR

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The displayed result is informative and based on the approximate calculation.

Additional info

Get money for your needs easy and quickly

Fill in the application online

Receive loan offer via call and get guidance through next steps

Sign the consumer loan agreement remotely

Receive funds to your account after the agreement has been signed

Apply for a loan

Requirements to apply

  • You are over 18 years of age
  • You have a regular monthly income of at least EUR 450
  • You have a combined monthly income of at least EUR 880 if you apply with a co‑borrower and you don’t have any dependents

Documents

  • Consumer loan application
  • Your (and your co‑borrower) ID or passport
  • We’ll inform you if we need any additional documents

Check out the special offers from Luminor partners

Learn more

Useful links

Pricelist
Conditions
How to borrow responsibly
Rules on Consumer Loan Granting, effective from 2022 09 30, in Lithuanian
Rules on Consumer Loan Granting (Archive)
Application for loan amendments including grace request

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