Car loan

Car loan

Car loan

  • Loan amount from €2 000 to €20 000
  • Fixed interest rate throughout the loan agreement period
  • Car not used as collateral

Thinking of buying a car or a motorcycle? With Luminor, the road is wide open!

- Annual interest rate from 7.9 %
- Loan agreement fee 1.5 % from loan amount (min €60)
- Loan repayment term from 12 to 84 months
- No down payment required
- For your peace of mind - loan payment insurance

Car loan
Representative example: Car loan

Loan amount Loan repayment term Fixed annual interest rate Loan agreement fee Minimum monthly account maintenance fee Total repayment amount Monthly instalment Annual percentage rate (APR)
€ 7 000 72 months 10 % €105 €1.30 €9 535.56 €129.68 11.49 %
The result is informative and based on an approximate calculation.

Choose the right solution for you


Car loan 


Down payment Not needed Starting from 10%
Loan amount From EUR 2000 to EUR 20000 From EUR 8000
Interest rate Starting from 7. 9 % per year Starting from 2.29 % + 3-month Euribor
Used car valuation Not needed Needed
Car age limit No limit Not older than 13 years at the end of the lease
KASKO insurance Not mandatory (but recommended) Mandatory
Ownership On customers name On creditors name
  Apply for a loan Apply for leasing

See our other products

Consumer loan

Learn more

Car leasing

Learn more

A green car loan

Learn more

Getting a loan – step by step

Fill in the loan application online

Receive a call about your loan offer and next steps

Sign the car loan agreement remotely

Receive funds in your account and buy your car

Register your car within 60 days after signing the agreement

Requirements to apply

  • You are over 18 years of age
  • Your regular, officially proven income is at least EUR 510 per month (after taxes)


  • Loan application
  • Passport or eID card
  • We’ll inform you if we need any additional documents