Baltic · EUR · EurozoneLoans in Lithuania: compare current bank rates
7
institutions
14
products
10.50%
personal from
4.50%
mortgage from
Lithuania is the largest Baltic economy and one of Europe’s most active fintech hubs — the Bank of Lithuania has licensed hundreds of fintech companies, which shows in the breadth of digital lending options. As a eurozone member, variable rates follow EURIBOR plus margin.
Traditional lending is led by Šiaulių bankas and the pan-Baltic groups, while licensed consumer lenders compete aggressively online. Comparing total APR rather than the headline rate is essential here.
Current offers in Lithuania
Swedbank
BankLTHousing Loan
🏠 Mortgage4.50%
APR from
up to 7.00%
Loan Range
€10K – €600K
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €186/mo · Total: €11,186
at 4.50% APR
Luminor
BankLTHousing Loan
🏠 Mortgage4.75%
APR from
up to 7.25%
Loan Range
€10K – €500K
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €188/mo · Total: €11,254
at 4.75% APR
Šiaulių bankas
BankLTReal Estate Loan
🏠 Mortgage5.25%
APR from
up to 8.50%
Loan Range
€10K – €350K
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €190/mo · Total: €11,392
at 5.25% APR
Swedbank
BankLTBusiness Loan
🏢 Business Loan6.50%
APR from
up to 13.00%
Loan Range
€5K – €1.0M
Term
1 yr – 7 yrs
Representative Example
€10K over 5 yrs = €196/mo · Total: €11,740
at 6.50% APR
Luminor
BankLTBusiness Loan
🏢 Business Loan6.50%
APR from
up to 13.00%
Loan Range
€10K – €800K
Term
1 yr – 7 yrs
Representative Example
€10K over 5 yrs = €196/mo · Total: €11,740
at 6.50% APR
Medicinos bankas
BankLTBusiness Loan
🏢 Business Loan7.00%
APR from
up to 14.00%
Loan Range
€5K – €500K
Term
1 yr – 6 yrs
Representative Example
€10K over 5 yrs = €198/mo · Total: €11,881
at 7.00% APR
Citadele
BankLTBusiness Loan
🏢 Business Loan7.50%
APR from
up to 15.00%
Loan Range
€5K – €400K
Term
1 yr – 5 yrs
Representative Example
€10K over 5 yrs = €200/mo · Total: €12,023
at 7.50% APR
Šiaulių bankas
BankLTBusiness Finance
🏢 Business Loan7.90%
APR from
up to 15.90%
Loan Range
€3K – €300K
Term
1 yr – 5 yrs
Representative Example
€10K over 5 yrs = €202/mo · Total: €12,137
at 7.90% APR
Revolut
FintechLTRevolut Business Loan
🏢 Business Loan8.90%
APR from
up to 19.90%
Loan Range
€1K – €100K
Term
3 mo – 2 yrs
Representative Example
€10K over 2 yrs = €456/mo · Total: €10,953
at 8.90% APR
Luminor
BankLTConsumer Loan
👤 Personal Loan10.50%
APR from
up to 24.50%
Loan Range
€500 – €25K
Term
6 mo – 8 yrs
Representative Example
€10K over 5 yrs = €215/mo · Total: €12,896
at 10.50% APR
Swedbank
BankLTConsumer Loan
👤 Personal Loan10.90%
APR from
up to 24.90%
Loan Range
€500 – €30K
Term
6 mo – 10 yrs
Representative Example
€10K over 5 yrs = €217/mo · Total: €13,016
at 10.90% APR
Medicinos bankas
BankLTPersonal Loan
👤 Personal Loan12.00%
APR from
up to 26.90%
Loan Range
€500 – €20K
Term
6 mo – 6 yrs
Representative Example
€10K over 5 yrs = €222/mo · Total: €13,347
at 12.00% APR
Borrowing in Lithuania — FAQ
Why does Lithuania have so many online lenders?+
The Bank of Lithuania runs one of the EU’s most active fintech licensing regimes, which attracted many digital lenders. More competition generally benefits borrowers, but always verify the lender is licensed and compare full APR.
What reference rate do Lithuanian mortgages use?+
As a eurozone country, Lithuanian variable-rate mortgages are typically tied to 6-month EURIBOR plus a contractual bank margin. Fixed-rate periods are also offered by the larger banks.
What do I need to borrow in Lithuania?+
Residency, a personal code and verifiable income in Lithuania are the standard requirements. Fully digital onboarding is common, so once you have local income history the process is fast.
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