SEB Lietuva review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

SEB Lietuva suits borrowers in Lithuania who want a bank's own consumer loan or home loan, with a fixed rate and money arriving the same day the contract is signed. The consumer loan APR is 9.26%, and both loans come direct from the bank.

Key facts

Best for
A fixed rate loan from a bank, funded the day the contract is signed.
APR
9.26% (Source, checked September 26, 2026)
Loan amount
€500 to €40,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
Contract fee 1.5% of the loan amount, minimum EUR 50 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day, on the day the contract is signed (Source, checked September 26, 2026)
Representative example
For a EUR 9,000 consumer loan over 5 years the total repayable is EUR 11,151.32, monthly payment EUR 182.58, of which 7.9% fixed interest, EUR 135 contract fee and EUR 1 per month (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adult citizens of the Republic of Lithuania and persons holding a permit to reside permanently in Lithuania, with regular documented income (salary, business or rental income) (Source, checked September 26, 2026)
Origination fee (%)
1.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
AB SEB bankas (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
seb.lt

Mortgages

Initial rate
4.3% (Source, checked September 26, 2026)
APRC
4.62% (Source, checked September 26, 2026)
Fixed period
2 to 10 years (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
€200 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
AB SEB bankas (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInfacebook.com

Pros and cons

Pros

  • Fixed rate lending, so monthly payments hold steady across a term of 12 to 84.
  • Money can arrive Same day, on the day the contract is signed, which suits work that cannot wait.
  • Free early repayment, so clearing the balance sooner costs nothing extra.
  • A bank rather than a broker, with AB SEB bankas behind the contract and the servicing.

Cons

  • Contract fee 1.5% of the loan amount, minimum EUR 50 sits on top of the consumer loan, so the headline rate understates the outlay.
  • A hard credit check is applied, which leaves a trace on the credit file.
  • The home loan stops at 85% of the property value, so a deposit is needed.
SEB Lietuva

Ready to try SEB Lietuva?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • People who want to deal with the bank itself, since lending is direct lender rather than arranged through a broker.
  • Homebuyers and remortgagers who want the rate locked for 2 to 10.

Who should look elsewhere

  • Borrowers who want the lowest cost rather than a euro loan from a Lithuanian bank: Cashspace ES lists an APR of 0%.
  • Anyone after a wider rate range or a revolving line, since Monzo Flex runs 10% to 23% while this range is personal lending.
  • Applicants outside Lithuania, who would need another market such as Cashspace to be eligible.

How SEB Lietuva compares

Where SEB Lietuva is available

Available
Lithuania
Licence in Lithuania
European Central Bank (ECB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a SEB Lietuva consumer loan?+

The consumer loan is priced at an APR of 9.26% on a fixed rate, so the figure holds for the life of the loan. The published example shows a monthly payment, with terms running 12 to 84.

Are there fees on top of the rate?+

Expect Contract fee 1.5% of the loan amount, minimum EUR 50 on the consumer loan. The published representative example shows that fee plus a small monthly charge built into each payment, so the headline rate is not the whole cost. The home loan has its own fee of €200.

How much can I borrow, and for how long?+

Consumer loans run €500 to €40,000 and can be repaid over 12 to 84. The home loan is a separate product with a fixed period of 2 to 10 and a maximum loan to value of 85%, so a deposit is required.

How quickly is the money sent?+

Funding is Same day, on the day the contract is signed, and same day funding is listed as a feature. The money can follow the signing of the contract rather than waiting for a later payment date, which matters when a repair or purchase cannot wait.

What credit check is used?+

Applications go through a hard credit check, which records an enquiry against your credit file. That is worth thinking about if other credit applications are planned soon after, as enquiries stay on file.

Who regulates this lender?+

The lender is AB SEB bankas, a bank based in Lithuania and supervised by the European Central Bank. Borrowing is direct, so the contract, the rate and the servicing all sit with the same institution.

Does it lend for homes as well?+

Alongside the consumer loan there is a home loan for purchase, remortgage and first time buyers. It opens at an initial rate of 4.3% with an APRC of 4.62%, fixed for 2 to 10 and sized to 85% of value.

Can I repay a loan early?+

Yes. Free early repayment applies, so settling the balance sooner adds no penalty to the interest already paid. That makes it easier to clear the debt if income improves or a cheaper rate turns up elsewhere.

How do I get help during the loan?+

Support runs on chat, phone and help centre, so chat, phone and the help centre are all available. Because lending is direct lender, questions about the contract, the payment date or the fee go to the bank that issued the loan.

Sources

  • seb.lt/privatiems/kreditai/busto-kreditas checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Total cost of credit annual rate (BKKMN) - 4,62 % in the home loan (Busto kreditas) example”

  • seb.lt/apie-seb/apie-seb checked September 26, 2026

    Backs: Headquarters, Legal entity

    “SEB banko būstinei Vilniuje suteiktas BREEAM International New Construction pastato poveikio aplinkai vertinimo sertifikatas”

  • seb.lt/apie-seb/seb-baltijos-salyse checked September 26, 2026

    Backs: Licences

  • seb.lt/pagrindinis-puslapis checked September 26, 2026

    Backs: Support channels

    “Per virtualų konsultantą ... Paskambinkite mums ... Pagalba Virtualus konsultantas, Kontaktai”

  • seb.lt/privatiems/kreditai/vartojimo-kreditas checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “nuo 500 iki 40 000 Eur (jei vertinamos šeimos pajamos)”

  • seb.lt/privatiems/paslaugu-teikimo-taisykles-ir-salygos/v... checked September 26, 2026

    Backs: Lender type

    “AB SEB banko vartojimo kredito teikimo taisyklės”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

SEB Lietuva

SEB Lietuva

A fixed rate loan from a bank, funded the day the contract is signed.

9.1/10See alternatives

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