Skip to main content
Luminor Logo
  • Internet bank
  • Daily

    Daily

    • Become a Customer
    • Payment Cards and Banking Packages
    • Luminor for Kids
    • Luminor for Youth
    • Internet Bank
    • Mobile Bank
    • Payments
    • Insurance
    • Smart‑ID
    • Calculators
    • Customers about us
  • Savings and Investments

    Savings and Investments

    • Term Deposit
    • Interest rates for deposits
    • Savings Account
    • Accumulative Deposit
    • My Saving Goals
    • E‑Piggy
    • Luminor Investor
    • Grow Your Wealth
    • Pension
    • Investments
    • Investment account
    • Primary Placements
  • Loans and Leasing

    Loans and Leasing

    • Housing Loan
    • Housing Loan Refinancing
    • Idea Loan
    • Loan for land acquisition
    • Consumer Loan
    • Luminor Loan for Sustainable Future Homes
    • Green Car Loan
    • Car Loan
    • Car Leasing
  • Business
  • Internet bank

    Internet bank

    • Luminor Internet bank
    • Become a customer
    • About us
      • Luminor story
      • Governance
      • Management
      • Processing of Personal Data
      • Money laundering prevention, international sanctions
      • For financial institutions
      • Financial Reports
      • Economic insights
      • Corporate social responsibility
      • Investor relations
    • News
    • Internet Bank
      • Luminor Internet bank
      • Luminor Bridge
    • Bank Network & ATMs
    • Pricelist
      • Private customers
      • Business customers
    • Terms & Conditions
    • Currency rates
    • Private Banking
    • Complaints and feedback
    • Career
    • Open Banking
    • LT
  • Luminor Internet bank
Bank network
Contacts
 Customer Support

Consumer Loan Conditions

How much can I borrow?

The loan amount may vary from 1,000 EUR to 30,000 EUR.

The amount of the loan shall depend on your financial capacities – your income and liabilities. Taking to account your family's monthly income and necessary expenses, it must be enough money left to repay the loan instalment and other loan-related fees. The total amount of the loan instalments per month you have shall not exceed 40 % of your and your family's income (depending on whether the loan is granted only on your incomeor on the family income).

What will be the interest rate?

The interest rate is fixed, i.e. the interest rate will not change throughout the period of the loan. The interest rate shall be fixed individualy – the interest rate depends on loan purpose, your loan history, loyalty to the bank, etc.

Example of the calculation of annual percentage rate of charge. If loan amount is EUR 7,000, fixed annual interest rate 8.5 %, loan term 60 months, agreement fee EUR 0, monthly account commission fee EUR 1.30, then monthly payment is EUR 143.62, total repayment amount – EUR 8,695.20, annual percentage rate of charge (APR) – 9.26 %.

How will the loan be repaid?

We offer repayment method called annuity – the instalments will be of the same amount. Interest is paid on the outstanding balance of the loan – the repayment part of the loan is increasing and the interest paid decreases during the period.

You can also choose the day of the instalment – 6th, 16th or 26th of the month, thus we will adjust to your income day, avoiding the risk of delays.

  • Private banking
  • Terms & Conditions
  • Contacts
  • FAQ
  • Calculators
  • Private Customer Price List
  • Business Price List
  • Fraud prevention
  • Complaints and feedback
  • Raise Your Concern
  • Marketing Consents
  • Code of Conduct
  • Sustainability
  • Cookies
  • Information for US Persons
  • Money laundering prevention, international sanctions

Contact us: +370 5 239 3444
Luminor Customer Service working hours:
For private customers: I‑V 8:00‑20:00, VI 9:00‑16:00
For business customers: I‑V 8:00‑18:00
Card blocking 24/7/365

Calls are charged according to your phone carrier applicable rate or payment plan.

© 2025. Luminor Bank AS