Time for a new car?

Time for a new car?

Time for a new car?

  • Give your life more freedom – use a Consumer loan to purchase a new or used car or motorcycle
  • A special offer for the applications submitted by 2024‑08‑31
  • Fast, digital, and all remote application process

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 %
  • Loan agreement fee – EUR 0*
  • 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

*The offer is valid for the applications submitted by 2024‑08‑31

Representative example: if the loan amount is EUR 7,000, the fixed annual interest rate is 9.5 %, 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 147.01, total repayment amount – EUR 8,898.60, the annual percentage rate of charge (APR) – 10.34 %.

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

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


  • 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

Apply, sign and get your car loan remotely

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.
For Car loan down payment is not needed
For leasing – a minimum of 10 % of the car price
Loan – EUR 2,000, leasing – EUR 8,000
Loan – up to EUR 20,000, leasing – no limit
1 year
7 years
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.
Car Loan
Loan for car purchase without a down payment and no car age limit
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
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 2.29 % + 3 months Euribor, for environmentally friendly cars – variable interest rate starting from 1.89 % + 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
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

See our other products

Car Leasing

Learn more

Consumer Loan

Learn more

Real Estate Purchase Or Repair Loan

Learn more