Consumer loan for a car | Luminor

Car Loan

For a new start – Luminor Car Loan

For a new start – Luminor Car Loan
  • Special price offer till 2025‑09‑30
  • Loan from EUR 2,000 to EUR 20,000 for 12 to 84 months
  • No down payment or collateral required
  • Casco insurance is optional
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.

  • Only till 2025‑09‑30 fixed 8.9 % annual interest rate and loan agreement fee – EUR 0.*
  • Green car loan with fixed interest rate starting from just 6.5%
  • You can conclude an agreement remotely
  • 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
  • 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

*Offer is valid for consumer loan applications submitted between 2025‑08‑18 and 2025‑09‑30.

Representative example: if the loan amount is EUR 7,000, the fixed annual interest rate is 8.9 %, the loan term is 72 months, the agreement fee is EUR 0, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 125.83, total repayment amount – EUR 9,153.36, the annual percentage rate of charge (APR) – 9.68 %.

Car Loan or Leasing?

Choose the right solution for you

Consumer credit calculator New

Car Loan Calculator

Loan amount in eurosEUR
Loan term monthsmonths

Your estimated monthly payment:

EUR
?

Representative example:

Loan amount
EUR
Total interest paid
?
EUR
Agreement fee
EUR
Account maintenance fee
?
EUR
Total payment sum
?
EUR
Annual interest rate (fixed)
%
Annual percentage rate
?
%
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
This loan is for
EUR
EUR
EUR

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
?

Maximum monthly loan payment: EUR

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

The path to get your loan

  1. Fill in the application online

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

  3. Sign the car loan agreement remotely

  4. Receive funds to your account and buy your vehicle of choice

  5. 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.
Car price, EUR in eurosEUR
2,000
100,000
Down payment, EUR in eurosEUR
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
Repayment period, years in yearsyears
1 year
7 years
Year of first registration of the car yearyear
1970
2025
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 15 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 15 years at the end of the lease period.
Recommended
landplot
Car Loan
Loan for car purchase without a down payment and no car age limit
Recommended
landplot
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 rateOnly till 2025-09-30 a fixed 8.9 % annual interest rate. Green car loan with fixed interest rate starting from just 6.5 %
Annual interest rateVariable interest rate starting from 1.99 % + 3 months Euribor, for environmentally friendly cars – variable interest rate starting from 1.45 % + 3 months Euribor
Car age limit
Car age limitNo limit
Car age limitUp to 15 years at the end of leasing term (up to 11 years for electric cars)
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
ApplyLearn more
ApplyLearn more

See our other products