Consumer Loan

If you need the funds to make some bigger purchase, choose well considered borrowing – Luminor consumer loan.

Appreciate the benefits

For purchases from EUR 500 € to EUR 12 000
remote agreement
no down payment or property pledge
repayment period from 6 months to 5 years

Consumer Loan Calculator

Calculate monthly loan payment and
check your borrowing power

Calculate monthly payment
Check borrowing power

Additional info

Learn more about other consumer loan types

For car purchase

EUR 2,000-EUR 12,000
Interest rate from 9 %

For property acquisition and renovation

EUR 2,000-EUR 12,000
Interest rate from 9 %

Apply for loan

Representative example for consumption needs

Loan amount	Loan maturity	Annual fixed interest rate	Agreement fee	Bank account maintenance monthly fee	Total amount payable	Monthly instalment	Annual Percentage Rate (APR)
EUR 6,000	5 years	11 %	EUR 90	EUR 1	EUR 7977	130.45	12.68 %

Representative example for car purchase

Loan amount	Loan maturity	Annual fixed interest rate	Agreement fee	Bank account maintenance monthly fee	Total amount payable	Monthly instalment	Annual Percentage Rate (APR)
EUR 6,000	5 years	11 %	EUR 90	EUR 1	EUR 7977	130.45	12.68 %

Representative example for home renovation

Loan amount	Loan maturity	Annual fixed interest rate	Agreement fee	Bank account maintenance monthly fee	Total amount payable	Monthly instalment	Annual Percentage Rate (APR)
EUR 6,000	5 years	11 %	EUR 90	EUR 1	EUR 7977	130.45	12.68 %

Find out your creditworthiness

To qualify for the Consumer loan, your need to satisfy the following requirements:

min. age – 21 year
positive credit history
monthly income – at least EUR 360 after taxes

You can use the calculator to find out your creditworthiness.

Fill out the application

Receive the answer

After the submission of application we will contact you within a single business day to agree on further steps

Enter into agreement

After entering into the agreement the money will be credited on your account immediately. A loan agreement can also be entered remotely – during a telephone conversation or by approving an agreement in the Internet-bank