Representative example. If the loan amount is €7000, with a loan repayment term of 60 months, fixed annual interest rate of 9.9 %, agreement fee of €0 and minimum monthly account maintenance fee of €1.30, then the total repayment amount will be €8981.40, the monthly instalment €148.39, and the annual percentage rate (APR) 10.78 %.
Instant consumer loan for a well-considered step
Instant consumer loan for a well-considered step
Available for existing Luminor customers – at the speed of your needs
- Borrow up to EUR 20 000
- Annual interest rate from 9,9 % with EUR 0 agreement fee
- Fill in the application – and we’ll assess your creditworthiness and provide the answer in just a few minutes! Receive the money in your Luminor account right after signing the agreement
- If you’re not our customer yet, apply and we will contact you within 1 working day
In some cases, the loan application may be reviewed manually, and the decision to grant a loan may take up to several business days.
Fair conditions - no fine print tricks
- Loan amount
For Luminor customers from EUR 500 to EUR 20 000
For new customers from EUR 1000 to EUR 15 000
- Loan repayment term
For Luminor customers from 6 to 60 months
For new customers from 12 to 60 months
- Loan agreement fee EUR 0. Offer valid until 31.12.2025.
- No down payment required
- Minimum monthly income at least EUR 510 after taxes
Let’s find a loan that suits your needs best!
Consumer loan
Cover those small but costly purchases – to make a big difference
Car loan
Discover freedom on the road - with a new car or motorcycle
Loan for home renovation or property acquisition
Make room for change – in your existing home or with a new property
Loan amount
Loan amountEUR 500–20 000 for existing Luminor customers, EUR 1000–15 000 for new customers
Loan amountEUR 2000 - 20 000
Loan amountEUR 2000 - 30 000
Repayment term
Repayment term6–60 months for existing Luminor customers, 12–60 months for new customers
Repayment term12 – 84 months
Repayment term12 – 120 months
Annual interest rate
Annual interest rateFrom 9.9 %
Annual interest rateFrom 8.9 %
Annual interest rateFrom 8.9 %
Agreement fee
Agreement feeEUR 0 if you apply by 31.12.2025
Agreement fee1.5 % from loan amount (min. EUR 60)
Agreement fee1.5 % from loan amount (min. EUR 60)
Real estate or car pledge
Real estate or car pledgeNot required
Real estate or car pledgeNot required
Real estate or car pledgeNot required
Down payment
Down paymentNot required
Down paymentNot required
Down paymentNot required
More ways to achieve your goals
