Small loan

A small loan as a dental loan

Planning a visit to your dentist some time soon? If you need extra funds to turn your ideas into reality, a small loan can help.

  • Loan sum 500–20,000 euros.
  • Money available immediately, no need to provide surety.
  • Monthly income at least 300 euros, with a co-borrower together at least
    700 euros.



Suitable monthly payment

Choose loan sum:
Choose loan term:

Calculation is approximate and may differ from your personal small loan offer.

Take a look at your maximum small loan amount

In case of a larger loan amount, it is worthwhile to consider taking a small home loan

Small loan Small home loan
Objective Purchase of technology, repair works, furnishing, medical treatment expenses, travelling Repair works, renovation, purchase of real estate or home, purchase of a plot of land
Loan amount € 500–20 000 € 5000–20 000
Interest rate 15–24% 8–15%
Contract fee 1.5% from the loan amount, min € 35 1% from the loan amount, min € 95
Advantages Collateral is not needed It is not necessary to place real estate under a mortgage.
More about Home Smalll loan

What is a small loan useful for?

A small loan is ideal if you start your own business, buy whitegoods or household electronics, carry out renovations, cover the cost of medical treatment.

Conditions for receipt of loan

To apply for a small loan, the average certified monthly income of the applicant in the last six months must be at least €300.

If your income is not paid to an account in Swedbank, you need to provide us the account statement for the last 6 months from the bank where your income is paid to. We also assess your previous payment behaviour.

Total of your loan and leasing payments may, depending on the size of your income, form 30-45% of your regular and certified income.

You can take a small loan in addition to your existing obligations provided that the outstanding loan balance and extra amount do not exceed €20,000.

Interest rate 15–24%

The interest rate depends on your income, obligations and the loan amount. Interest is calculated on the loan balance.

Loan for co-borrowers

It is possible to take a small loan both alone, as well as with a co-borrower. The co-borrowers have to be part of the same household, and their combined average proven income of the last 6 months has to be at least €700 a month. Both co-borrowers are solidarily liable for repaying the loan.

Repaying and amending the loan

The loan must be repaid in monthly payments within the loan term agreed on. You can determine the payment day yourself and you can also repay the loan before the end of its term. To do so you need to send us a bank message via the Internet bank, submit an application at a bank branch or make the change yourself by logging in to the Internet bank (Loan, leasing, credit card > My obligations > Contract > Amend/Terminate. By selecting ‘Amend’ you can change the account used to service the loan and the payment day and return the loan amount in part. ‘Terminate’ enables you to repay the loan amount in full.) In the event of early repayment we will debit the necessary amount from your current account after accepting the application.
A fee pursuant to the price list will apply to early repayment or if you wish to make any changes to the loan conditions.

Loan term and repayment holiday

The small loan term is minimum of 6 months and maximum of 5 years. Should you run into solvency problems you can apply for a repayment holiday of up to six months. To receive a repayment holiday, you need to send us a bank message via Internet bank or submit an application at the bank branch.
You can apply for several repayment holidays during the term of the loan.

Contract fee

The contract fee is 1.5% of the loan amount, but no
less than €35.