Health and beauty loan
Health and Beauty Loan for you
The contract fee is 0 €
There is no monthly administration fee
You will receive a response to your application within a few minutes
Money to your account immediately
Loan sum from 200 € to 10,000 €
Interest from 15.9% of the loan balance
No collateral required
Early repayment free of charge
You do not need to have an account with LHV to apply.
For beauty and health-related expenditures
For treatment and beauty services
The Health and Beauty Loan can be used to pay for treatment and beauty services, such as dental treatment, laser eye surgery, aesthetic surgery or other medical services.
For health and beauty product purchases
You may also use the loan for purchasing health and beauty products, to help spread bigger expenditures.
Calculate the monthly instalment
The results are estimated and may differ from the terms and conditions offered to you.
Complete an application
Fill in the loan application. There is no charge for submitting an application, and doing so does not obligate you to conclude an agreement.
Then we will calculate your Health and Beauty Loan limit that will be available to you for the next 90 days.
Money to your account
Within a few minutes, the loan amount minus the agreement fee will arrive in your bank account.
Terms and conditions
From 200 € to 10,000 €
From 15.9% 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.
up to 1% of the loan sum, from 29.9 €
6 months to 5 years
|Amendment of agreement|
If you need to, you can take a grace period or change the date or amount of monthly payment. The fee for amending the agreement is 10 €. To amend the agreement, please write to firstname.lastname@example.org.
|Free early repayment|
Early repayment of the whole credit sum is free of charge.
Monthly payments are to be paid to the account EE707700771001062897; with the beneficiary being: AS LHV Finance: reference number: your agreement number.
The Health and Beauty Loan is offered by AS LHV Finance. Review the terms and conditions at lhv.ee/en/healthloan and consult our expert. Annual rate of charge is 23.03% on the following sample terms and conditions: loan amount 2000 €, annual interest rate of 19.9% on the on the outstanding balance (fixed), contract fee 29.9 €, repayment period of 40 months, with monthly annuity payments, with the total sum of the monthly payments being 2783.01 € and the total repaid sum of 2753.11 €.
Loan insurance is offered by ERGO Insurance SE. 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 29.39% on the following sample terms and conditions: loan sum 2000 €, annual interest rate of 19.9% on the outstanding balance (fixed), agreement fee 29.90 €, repayment period of 40 months, with monthly annuity payments, in the total sum of 3000.25 € and the total sum of monthly payments being 2970.35 €.
You can make your loan more secure by adding loan insurance to your agreement. LHV Finance, together with ERGO Kindlustus, provides loan insurance, ensuring that you will not find yourself in trouble with instalments in the case of unforeseen circumstances.
Read the terms and conditions of loan insurance.
Unemployment, i.e. the termination of an employment contract or civil service contract by one’s employer for a reason beyond the insured person’s control;
- temporary incapacity for work, i.e. a certificate of incapacity for work valid for over 30 days;
- permanent incapacity for work, i.e. a certificate of incapacity for work valid for over 30 days;
- death, i.e. any loan liability does not have to be met by the heirs.
The insurance cover commences from the day of the first Health and Beauty Loan instalment. Unemployment cover begins two months after the insurance has started.
In case of an insured event, notify the client support of LHV Finance as soon as possible. Client support will notify the loss adjuster, who will contact you with further instructions.
The insurance premium is 8% of your monthly Health and Beauty Loan instalment. For example, if you take a Health and Beauty Loan in the amount of 3000 € for two years, only 5 € will be added to your monthly instalment.
Call 699 9111 Mon-Fri 9–17 or write to email@example.com
Documents and additional information
- Precontractual information
- Price list of Health and Beauty Loan
- General terms and conditions of the Health and Beauty Loan
- Loan Insurance Terms and Conditions (Effective as of May 21, 2020)
- Loan Insurance Terms and Conditions (Effective until May 20, 2020)
- Application for the amendment of an agreement
- Application for the withdrawal from an agreement
Frequently asked questions
- For what can I use the Health and Beauty Loan?
- I applied for a Health and Beauty Loan, but now I have to sign a small loan contract, why is that?
- In which case and how do I have to present my bank statement?
- How can I enter into a LHV Health and Beauty Loan contract?