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Housing loan
Special offer for your first housing loan!

 

Special offer for your first housing loan: Variable annual interest rate from 1,49 %* + 3‑, 6‑ or 12‑month Euribor. The offer is valid for the applications submitted by 2024‑12‑31 for your first home loan with us. And a special offer for your first consumer loan for home renovation. Annual fixed interest rate of 9 % for loans from EUR 2,000. EUR  0 agreement fee. Offer can only be used once and is valid for the applications submitted by 2024‑12‑31.

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Perfect for youth
The ultimate card for your lifestyle!

 

Get Black card and enjoy the convenience of a payment card with the perksof a credit card –all with no mandatory credit limit. Get travel and purchase insurance**, ensuring peace of mind on all your adventures. Plus, unlock*** 20 % off at Caif Café coffee shops and 25% off at Sportland online store for all your favorite sportswear.

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Luminor Black
EUR 0 for the first 2 months

 

Enjoy the benefits of the card for the first 2 months for free. Offer valid for first‑time package activation from 2024‑11‑01 to 2025‑01‑31****

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Car Leasing
Special interest rates for new car leasing 

 

1.45 % per year + 3‑month Euribor for electric cars, 1.89 % per year + 3‑month Euribor for hybrid and low-emission cars and 1.99 %***** per year + 3‑month Euribor for other cars. *****The offer is valid for applications submitted until 2024‑12‑31.

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Grow Your Wealth
Free tips how to take your finances to the next level

 

Find out how to choose the right savings and investments solutions to grow your wealth and cover your personal goals.

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*Final offer is customer-based and may depend on agreed special conditions or energy efficiency class of the asset.
Representative example of housing loan: If the loan amount is EUR 110,000, the variable annual interest rate is 5.57 %, a one-off agreement fee is EUR 550, the contract duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 679, the total amount paid by the borrower – EUR 204,111.04 and annual percentage rate of charge (APR) – 5.79 %.
Pledged collateral must be insured. Notary fees, real estate evaluation, insurance costs and costs related to additional products and services if chosen by you are not known to the bank and therefore are not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.
If a credit agreement is concluded in foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to euro may significantly increase the amount of the credit and monthly payments.
Representative example of consumer loan: if the loan amount is EUR 9,000, the fixed annual interest rate is 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 186.83, total repayment amount – EUR 11,287.80, the annual percentage rate of charge (APR) – 9.70 %.
 
**Luminor travel and purchase insurance is provided by ADB “Compensa Vienna Insurance Group”, reg. code 304080146, Ukmergės g. 280, 06115 Vilnius. Purchase insurance terms and conditions. Travel insurance terms and conditions.
***Learn how to activate discounts here.
 
****Discount is valid for the first 2 calendar months if the package is activated within the period from 2024‑11‑01 to 2025‑01‑31 for the first time. For the third and next calendar months standard package fee will be set according to the Luminor Price List. The package monthly fee is applied for a calendar month irrespective of the booking date. Offer is valid till 2025‑01‑31 or until revoked.
 
*****Typical example of leasing: Assuming that the price of a car selected is EUR 26,000, the financial lease period is 5 years (60 months), and the down payment is EUR 2,600, i.e., 10 %, so the total amount of credit would be EUR 23,400. The administration fee for preparation of the agreement is EUR 260 and the variable leasing interest rate is 1.45 % + 3‑month Euribor (value on calculation day 3.47 %), the total payment amount paid would be EUR 26,703.80, the annual rate of the total consumer credit price – 5.52 %, and the monthly payment – EUR 440.73. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in the annual rate of the total consumer credit price). Leasing service is provided by Luminor Lizingas UAB.

Join Luminor remotely
Online with photo self-service

Online with photo self-service

24/7 – processed within 1 business day
Video call with a consultant

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Business days from 9:00 till 18:00

For persons over the age of 18, you’ll need:
♦ valid passport, ID card of the Republic of Lithuania, or permanent/temporary permission to live in the Republic of Lithuania
♦ Qualified Smart‑ID or Mobile Signature

Apply in person
If you don’t have a passport or ID issued in Lithuania or don’t have an electronic signature, or would prefer to apply in person, please book an appointment or reach out to us by phone +370 5 239 3444.
Foreign citizens have to submit one of the following documents.

Join Luminor Plus club and take advantages of special offers from Luminor partners!

- 60 partners offering more than 90 discounts.
- Discounts are available to all Luminor card holders.
- Luminor Black card holders get Delfi Plius subscription for free until the end of 2025.

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Accounts valued up to EUR 100,000 are secured by the Estonian Guarantee Fund company “Tagatisfond” in accordance with the terms and conditions of the Republic of Estonia’s law on deposit insurance and insurance of liabilities to investors. Terms of the insurance. When opening a bank account and where necessary, please complete the private person’s questionnaire and confirm your financial status.