Small loan

Fulfil your ideas the smart way

Finance your ideas with Inbank. A quick and easy application process with an instant credit decision.

Calculate your monthly payment

Estimate your monthly payments based on the chosen loan amount and time period.

Amount

€ |

Period

Monthly payment

- €

You may be also offered different terms and conditions of the online loan, which can depend on the results of your creditworthiness and risk assessment carried out by the bank.

Smart and simple

With a small loan you can bring your ideas to life, whether they’re big or small.

Low Interest

Interest from 9,9 % per year.

ib.smallLoan.benefits.earlyRepayment.imageAlt

No down payment

No need to pay anything when applying.

Quick and easy

The online application process takes just a few minutes.

Instant decision

Money transferred to your account within one working day.

Pick the financing most suitable for you

Compare different loan options and make the smartest choice.

Small loan

Amount	300 – 15 000 €
Period	6 – 84 months
Interest	From 9,9 %
Agreement fee	1,00 %
Administration fee	From 0,2 %

View terms and conditions

Renovation loan

Amount	1 500 - 20 000 €
Period	9 - 84 months
Interest	From 7,5 %
Agreement fee	2,9 %
Administration fee	From 0,29 %

View terms and conditions

Fast, hassle-free application process

Take these simple steps to finance your ideas.

Fill in the form

Choose a suitable monthly payment and fill in the loan application. You’ll receive a credit decision immediately.

Sign the agreement

Sign the contract using Mobile signature or Smart-ID.

Receive the money

We’ll transfer the loan amount to your bank account within one working day after signing the contract.

Planning to redecorate?

Explore your options using our Renovation loan with a limit of up to 20,000 euros and a maximum period of 84 months.

Explore

Frequently asked questions

A quick and convenient way to enter into a loan agreement with us is on our website www.inbank.lt. Once you have entered the required data and completed the assessment, you will be able to see the loan options on offer, choose the amount of financing you want and sign the contract.

You can apply for a loan if you are a paid employee, a civil servant, a self-employed person, a person with an income from an individual activity or a copyrights contract, a person with a disability or old-age pension, a farmer, a business owner, etc., and you will find the documents you need to submit here. Income must be received in a bank account in the Republic of Lithuania.

You can apply for a loan by using your identity document: passport, ID card or permanent residence permit.

You will receive a funding response in just a few minutes.

Click here for a list of required documents by activity.

The submission of data and consents is part of the consumer loan application form, whereby you apply for a consumer loan, express your consent to the assessment of your creditworthiness, provide certain data, and consent to the processing of personal data, including accessing and obtaining data from external databases and registers, and any other possible consents. The provision of data and consents is subject to authentication (identification of your identity / identification of you), which can be carried out by mobile signature, Smart-ID or by making a bank transfer of 0,01 € from your personal bank account.

1 cent by bank transfer from your personal bank account.
Mobile signature
Smart-ID*

When using Smart-ID, make sure you have the right account level. You can check this by accessing the Smart-ID mobile app by clicking on the "User Information" box in the left corner. If your account level is "Smart-ID Qualified Electronic Signature", you will be successful. If your account level is "Smart-ID Basic", you will only be able to use the e-banking services and you will not be able to sign the consent and/or contract.

Instructions on how to register a Smart-ID account are available here.

Instructions on how to change your Smart-ID account level from "Basic" to "Qualified" can be found here.

If you use Smart-ID, make sure you have the right account level. You can check this by accessing the Smart-ID mobile app and clicking on the "User Information" box in the left corner. If your account level is "Smart-ID Qualified Electronic Signature", you will be successful. If your account level is Smart-ID Basic, you will only be able to use the e-banking services - you will not be able to authenticate and/or sign the contract. To change your Smart-ID Basic account to a Smart-ID Qualified Signature and start using it with other e-services, you need to contact your bank or you can follow the instructions.

The transfer shall be authenticated if you choose to authenticate your identity in this way and/or at the final stage of the consumer loan agreement if the consumer loan agreement is signed in this way. In order for us to properly identify you and for you to be able to sign the document(s) mentioned above and for "Inbank" to be able to recognise you, "Inbank" needs your personal identification number, so please make sure to tick the box next to "I agree to pass on my personal identification number to the beneficiary" when transferring the amount of €0.01. Each time you authenticate and/or sign a consumer loan agreement in the above manner, the amount of €0.01 is not refunded and is considered as a minimum fee for identification. Any fees charged by the bank that you may have to pay are payable by you and are not reimbursable by "Inbank".

It usually takes between 30 minutes and 4 hours after signing the contract for the money to be paid out.

According to the Law on Consumer Credit of the Republic of Lithuania, consumer loan agreements can be made between 7:00 and 22:00.

The reasons why you can't get a loan can vary: not having enough income, having too many household financial obligations, being in debt to other institutions, having too little work experience at your last job, having a bad credit history, etc.

mobile signature,
Smart-ID qualified electronic signature,
a remote identification tool, and a bank transfer of €0.01 from your personal bank account.

You have the right to repay consumer credit to us at any time either in part or in full, however, in this case, you are obliged to pay to the bank Interest, Agreement Administration Fee, Default Interest and other fees under the Agreement, calculated until the repayment day. If you intend to exercise this right, you have to notify us in writing before the repayment date, so that "Inbank" could recalculate payable amounts and implement your right to consumer credit cost reduction. “Inbank“ shall not claim any compensation for early repayment.

It will be fastest if you contact us +370 700 700 80, or email us info@inbank.lt and provide your agreement number.

You can find out the outstanding amount of your loan by logging into the self-service website, www.inbank.lt, by contacting us via phone at +370 700 700 80, or via email at info@inbank.lt.

Please have your agreement number or customer code ready so we can quickly provide you with the information you need.

The maximum amount for a consumer loan and a home renovation loan and renewable energy loan is EUR 15,000. The maximum amount for a car loan is EUR 30,000.

The maximum term for consumer and renewable energy loan is 72 months, home renovation loan is 84 months. The maximum term for a car loan is 96 months.

Use the calculators on Inbank.lt to get a preliminary quote.

The interest rate on a consumer loan is from 9.9%. Contract fee: 1%. Contract administration fee: from 0.2%. For example: if borrowing 2 100.00 EUR over the period of 60 months, annual interest rate of 10.90%, an agreement fee of 0.20%, monthly administration fee of 1.00%, APR - 16.32%, the total payable amount is 3 012.00 EUR and a monthly payment is 50.20 EUR.

The interest rate on a home improvement loan is 7.5%. Contract fee: 2.9%. Contract administration fee: from 0.29%. For example: if borrowing 10 277.00 EUR over the period of 69 months, annual interest rate of 8.90%, an agreement fee of 3.00%, monthly administration fee of 30.83 EUR, APR - 16.83%, the total payable amount is 15 684.11 EUR and a monthly payment is 227.31 EUR.

The interest rate on a car loan is from 10.9%. Contract fee: 1%. Contract administration fee: from 0.2%. For example: if borrowing 6 250.00 EUR over the period of 72 months, annual interest rate of 12.90%, an agreement fee of 0.20%, monthly administration fee of 1.00%, APR - 18.33%, the total payable amount is 9 998.64 EUR and a monthly payment is 138.87 EUR.

The interest rate for loans for renewable energy solutions 10.9%. Contract fee: 2.9%. Contract administration fee: from 0.2%. For example: if borrowing 7 000.00 EUR over the period of 60 months, annual interest rate of 8.90%, an agreement fee of 0.20%, monthly administration fee of 2.90%, APR - 15.02%, the total payable amount is 9 788.40 EUR and a monthly payment is 163.14 EUR.

The agreement number is a combination of capital letters and numbers. This number appears at the top of the first page of the agreement. It can also be found online at www.inbank.lt.

The customer code is a combination of numbers that is also listed on the first page of the agreement, after the agreement number.

If you forgot your password, click "Forgot password" and enter your email. You will receive a link to reset your password.

You will see your Schedule of Instalments in the Agreement, and on the self-service website, www.inbank.lt.

BY TRANSFER

Recipient: "AS Inbank Branch"

Beneficiary's code: 305340173

Beneficiary's bank name and account (select one of the following):

"Swedbank" (LT507300010136846368)
"Swedbank" (LT607300010073616156)
"SEB" (LT237044060006153170)
"SEB" (LT367044060006168068)
"Luminor" (LT644010042401119285)

The purpose of payment: if the agreement is made on your behalf, please indicate the Inbank agreement number. If the agreement is made on behalf of another person, please indicate the Inbank agreement number, the person’s name and the person’s personal identification number.

IN CASH OR BY CARD

At all cash registers of "Maxima";
In "Lietuvos Paštas" offices;
At "Perlas" terminals;
In the branches of "Swedbank", "SEB", and "Luminor".

Remember to bring your agreement sheet with the barcode with you.

You will not receive an e-invoice unless you will subscribe to this service with your payment service provider. If you have subscribed to this service, we may suspend sending e-invoices if we do not receive your payment on time. Once we receive your installment, we will update the sending of e-invoices to you.

Yes, for each loan agreement you will receive separate e-invoice if you have subscribed to this service.

The payment is credited on the same business day if you pay the installment:

In the branches of "Swedbank", "Luminor" or "SEB" until 4 pm on a business day;
When using bank links in "Inbank" self-service or by bank transfer and make your payment by 4 pm on a business day.

The payment is credited on the next business day if you pay the installment:

In "Perlas" terminals;
At cash registers of "Maxima";
In the branches of "Swedbank", "Luminor" or "SEB" on weekdays after 4 pm, on weekends and banking days;
By using the bank links on the "Inbank" self-service website or by bank transfer, and making your installment on a business day after 4 pm, on weekends and on banking days.

If you notice that your data has been used by a third party, please notify your bank and inform us immediately by email at info@inbank.lt or by phone: +370 700 700 80 (business days only, 8:00 to 19:00). In all cases, for the security of your data, we recommend that you also report this to the police.

We do not require any supporting documentation, except when we conclude car loan agreement or loan agreement for solar power plant(s) acquisition: in these cases, we have the right to require to provide proof that you have used the loan for a vehicle or solar power plant(s) acquisition.

We do not provide such services. Please be informed that the number of scams has increased. If you receive any calls from non-Lithuanian speaking persons offering to invest or earn money online, or claiming to be our partners, please contact us immediately by phone +370 700 700 80 (weekdays only from 8.00 am to 7.00 pm), or by e-mail info@inbank.lt.

No.

No. By submitting an application and signing the agreement, you confirm that you are the loan recipient and the beneficial owner of the account to which the money is transferred.

Yes, you can get a loan to your Revolut account.

You can choose your payment day at the time of concluding the Agreement. The standard payment day is the 15th of each calendar month.

No, loans are not insured. You can choose loan insurance as an additional service.

For now, there is no possibility to sign an agreement with your spouse or other people.

No, we do not provide this service.

No, but you can fill out a new application to obtain an additional loan.

No, we currently only grant loans to natural persons.

No, there is no such option at the moment.

The loan agreement can be concluded by an 18-year-old and older person.

Yes, provided that you have a permanent residence permit in Lithuania.

Payment of installments, except for Interest, might be deferred not longer than for 6 (months), but only if you meet all criteria stipulated by the Law on Consumer Credit. In such a case, please contact us by e-mail at info@inbank.lt or by phone: +370 700 700 80 (8.00 - 19.00 on business days).

There is currently no such option, but we invite you to follow our news as we plan to offer our customers more attractive services in the near future.

You can keep track of the amount and timing of your contributions on the self-service page. Or contact us by email at info@inbank.lt or by phone at +370 700 700 80 (weekdays from 08.00 to 19.00).