Consumer loan

You are the one to decide what to use your spare money for

Paying for travel, business and education, organising special events or just covering major expenses.

You will receive a response to your application within a few minutes
No collateral required
Money to your account immediately
Loan amount from 200 to 15,000 euros
Loan insurance options
Free premature repayment

You do not need to have an account with LHV to apply for a consumer loan.

Calculate the monthly instalment

The results are estimated and may differ from the terms and conditions offered to you.

Complete an application
Enter our self-service environment and complete the consumer loan application.
Offer
Once we receive your application, we will make you a loan offer that is valid for up to 180 days.
Conclude the agreement
You can sign the agreement in our self-service environment. If you cannot sign it digitally, please visit our partner Euronics store. There, you can sign a printed contract.
Money to your account
Within a few minutes, the loan amount minus the agreement fee will arrive in your bank account.

Loan amount	From 200 € to 15,000 €
Interest	From 7.9% per year on the outstanding loan balance. LHV calculates the interest on the outstanding loan balance, not the whole loan sum. This means that the interest payments will decrease monthly as your loan balance decreases.
Contract fee	2% of the loan sum, from 29.90 €
Length of the agreement	Credit amount up to 7,500 € – 6 months to 6 years Credit amount from 7,500 € – 6 months to 10 years
Amendment of agreement	The fee for amending an agreement is 25 €. To amend the agreement, please write to finance@lhv.ee.
The premature payment	The premature payment of the whole credit sum is free of charge.
Repayment	Monthly payments are to be paid to the account EE707700771001062897; with the recipient being LHV Finance; reference number: your agreement number.

Consumer loan is provided by LHV Finance. Review the terms and conditions at lhv.ee/en/consumer-loan and consult our expert. Annual rate of charge is 18.49% on the following sample terms and conditions: loan amount 2,100 €, annual interest rate of 15.9% on the on the outstanding balance (fixed), contract fee 42 €, repayment period of 45 months, with monthly annuity payments, with the total sum of the monthly payments being 2,844.18 € and the total repaid sum of 2,802.18 €.

Loan insurance is offered by LHV Kindlustus. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist. Annual percentage rate of charge of a consumer loan with insurance is 23.89% on the following sample terms and conditions: loan sum 2,100 €, annual interest rate of 15.9% on the outstanding balance (fixed), agreement fee 42 €, repayment period of 45 months, with monthly annuity payments, in the total sum of 3,065.60 € and the total sum of monthly payments being 3,023.60 €.

Documents and additional information

Frequently asked questions

Got any more questions?

Loan insurance

You can make your loan more secure by adding insurance to your contract. Loan insurance ensures that you will not find yourself in trouble with loan instalments in the event of unforeseen circumstances. Read the terms and conditions of loan insurance.

Insurance provides assistance in the following instances

becoming unemployed for reasons beyond the insured person’s control;
temporary incapacity for work, i.e., a certificate of incapacity for work valid for over 30 days;
absence of work capacity, i.e. the borrower has been issued a work capacity assessment decision;
death, i.e., any loan liability does not have to be met by your successors.

In case of an insured event, notify client support at LHV Finance as soon as possible. Client support will notify the loss adjuster, who will contact you with further instructions.

Insurance premium

In the case of a contract with insurance, an additional monthly fee will be added, which is 8% of your loan instalment (principal + interest). For example, if you take out a loan in the amount of EUR 500 for two years, only about EUR 2 will be added to your monthly instalment.