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Car Loan

Get on the road with Luminor

Get on the road with Luminor
  • Special offer for a car loan*
  • Give your life more freedom – use a Consumer loan to purchase a new or used car or motorcycle
  • Fast, digital, and all remote application process

 

*Offer valid until 2023 07 31
Apply for a loan
See what I can afford

A car loan that puts your needs first 

With us – it's easy. Let's buy your new or used car or motorbike now.

  • Annual fixed interest rate from 7.9 %
  • EUR 0 Loan agreement fee*
  • Consumer loan from EUR 2 000 to EUR 20 000
  • You can conclude an agreement remotely
  • No down payment
  • Casco insurance is optional
  • The vehicle does not need to be pledged or registered in the name of the bank
  • We will offer insurance – in case of an accident the loan will not become a burden
Representative example: if the loan amount is EUR 8,000, the fixed annual interest rate is 9.50 %, the loan term is 84 months, the agreement fee is EUR 0, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 130.75, total repayment amount – EUR 11,092.20, the annual percentage rate of charge (APR) – 10.27 %.

Car Loan or Leasing?

Choose the right solution for you

Consumer credit calculator New

Car Loan Calculator

EUR
months

Your estimated monthly payment:

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Your monthly loan payment consisting of principal and interest paymentTap to close

Representative example:

Loan amount
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Total interest paid
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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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Agreement fee
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Account maintenance fee
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The account maintenance fee is EUR 1.30 per monthTap to close

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Total payment sum
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Total payment sum means the loan amount and the total cost of the loan (all the costs, including interest, fees and other costs)Tap to close

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Annual interest rate (fixed)
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Annual percentage rate
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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

%
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
EUR
EUR
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Your maximum credit amount:: EUR

Maximum monthly credit payment:: EUR

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

Your maximum loan amount:
EUR
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Maximum possible loan amountTap to close

Maximum monthly loan payment: EUR

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

Additional info

The path to get your loan

Fill in the application online

Receive loan offer via call and get guidance through the next steps

Sign the car loan agreement remotely

Receive funds to your account and buy your vehicle of choice

Register your vehicle within 60 days after entering into the agreement

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

  • 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 2021 11 12, in Lithuanian
Rules on Consumer Loan Granting (Archive)
Application for loan amendments including grace request

Apply, sign and get your car loan remotely

Apply for a loan

Choose the right solution for you

The calculator's result is based on estimates and provided for illustrative purposes only. For an advice or personalised offer, please contact the bank representative.
EUR
2,000
100,000
EUR
For Car loan down payment is not needed
For leasing – a minimum of 10 % of the car price
EUR
Loan – EUR 2,000, leasing – EUR 8,000
Loan – up to EUR 20,000, leasing – no limit
years
1 year
7 years
year
1970
2023
Find out the best solution
Enter an amount between EUR 2,000 and EUR 100,000
No down payment is required for a car loan. For leasing – a down payment of a minimum of 10 % of the car price is required.
The maximum repayment period for a car loan/leasing is 7 years.
For car loans, there is no car age limit. For financial leasing – at the end of the leasing term, the car's age may not exceed 13 years; at the end of the operating lease term – 10 years.
For current options, there is no suitable solution. For a leasing solution, a down payment of at least 10 % of the car price is required, and the age of the car age may not exceed 13 years at the end of the lease period.
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Leasing
Leasing for a car purchase with a lower interest rate compared to a car loan, but there is a car age limit and down payment
Down payment
Down paymentNot needed
Down paymentFrom 10 % of car value
Amount
AmountFrom EUR 2,000 to EUR 20,000
AmountFrom EUR 8,000
Annual interest rate
Annual interest rateFixed interest rate starting from 7.9 %, for a Green car loan fixed interest rate starting from 6.9%
Annual interest rateVariable interest rate starting from 2.49 % + 3 months Euribor, for environmentally friendly cars – variable interest rate starting from 2.29 % + 3 months Euribor
Car age limit
Car age limitNo limit
Car age limitAt the end of the leasing term, the car's age may not exceed 13 years
CASCO insurance
CASCO insuranceNot mandatory, but recommended
CASCO insuranceMandatory
Ownership
OwnershipOn car owner’s name
OwnershipOn creditor's name
Minimum age of the customer
Minimum age of the customer18 years old
Minimum age of the customer21 years old
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See our other products

Car Leasing

 Learn more

Consumer Loan

 Learn more

Real Estate Purchase Or Repair Loan

 Learn more