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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 3000 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 3000 € to 25,000 €

Interest

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 7500 € – 6 months to 6 years
Credit amount from 7500 € – 6 months to 10 years

Amendment of agreement

The fee for amending the agreement is 25 €. To amend the agreement, please write to finance@lhv.ee.

Early repayment

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

Repayment

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. Review the terms and conditions at lhv.ee/refinancing and consult our expert. Annual rate of charge is 15.81% on the following sample terms and conditions: loan amount 11 000 €, annual interest rate of 13.9% on the on the outstanding balance (fixed), contract fee 220 €, repayment period of 64 months, with monthly annuity payments, with the total sum of the monthly payments being 15 861,37 € and the total repaid sum of 15 641,37 €.

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 19.66% on the following sample terms and conditions: loan sum 11 000 €, annual interest rate of 13.9% on the outstanding balance (fixed), agreement fee 220 €, repayment period of 64 months, with monthly annuity payments, in the total sum of 17 103.55 € and the total sum of monthly payments being 16 883.55 €.

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;
  • 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 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 finance@lhv.ee

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