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A refinancing loan helps transform existing loans to a new one on more favourable terms or merge multiple older loans into one.

It is easy to move loans and hire-purchase agreements over to us. We offer good interest rates, a clear overview of your liabilities, and the best customer service.

  • Loan amount from 3,000 to 25,000 €
  • No monthly service charge
  • No penalty for early repayment
  • Loan insurance options

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

Here are two examples of how an LHV refinancing loan
works in your favour

Calculate the monthly instalment


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

  • Fill in the application
    Fill in the application. The application is easy to complete and there's no binding obligation to conclude an agreement.

  • Additional information and decision
    You will be contacted by a loan specialist. The specialist will specify which documents and additional information are required to reach a decision.

  • Sign the agreement
    You can sign the agreement conveniently via the self-service environment.

  • Refinancing
    We'll pay off the loans you want to refinance.

Loan sum

From 3,000 € to 25,000 €


Annual interest from 7.9% on loan balance. LHV calculates the interest on the outstanding loan balance, not the whole loan sum. This means that interest payments decrease each month, as your loan balance decreases.

Contract fee

2% of loan sum, at least 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 the agreement is 25 €. To amend the agreement, please write to

Early repayment

Early repayment of the entire credit sum is free of charge.


Monthly payments are to be paid to the account EE707700771001062897; beneficiary: LHV Finance: reference number: your agreement number.

Refinancing loan is provided by LHV Finance AS. Review the terms and conditions at and consult our expert. Annual rate of charge is 17.87% on the following sample terms and conditions: loan amount 14,000 €, annual interest rate of 15.9% on the on the outstanding balance (fixed), contract fee 280 €, repayment period of 90 months, with monthly annuity payments, with the total sum of the monthly payments being 24,336.88 € and the total repaid sum of 24,056.88 €.

Loan insurance is offered by LHV Kindlustus AS. 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 refinancing loan with insurance is 20.93% on the following sample terms and conditions: loan sum 14,000 €, annual interest rate of 15.9% on the outstanding balance (fixed), agreement fee 280 €, repayment period of 90 months, with monthly annuity payments, in the total sum of 26,255.03 € and the total sum of monthly payments being 25,975.03 €.

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.

  • 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.

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.

Loan specialists

Call 680 2700 or write


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