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 an answer about your home loan plus in just a few minutes.

You can find a list of required documents by activity here.

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 loan agreement if the home loan plius 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 home improvement 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 home renovation 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 home imporvement 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 home loan plus amount is EUR 20 000.

The maximum home loan plus term is 84 months.

The contract number is a combination of capital letters and numbers. This number is indicated on the first page of the contract, in the upper part. It can also be found by logging in to the online self-service at www.inbank.lt. The client code is a combination of numbers, which is also indicated on the first page of the contract, under the contract number.

If you have forgotten your password, click "Forgot your password". After providing your email, you will receive a link to change your password.

You will see your payment schedule in the Agreement, as well as by logging into the self-service at www.inbank.lt.

BY MONEY TRANSFER Beneficiary "AS Inbank filialas" Beneficiary code 305340173 Beneficiary bank name and account (select one of the following): "Swedbank" (LT507300010136846368) "Swedbank" (LT607300010073616156) "SEB" (LT237044060006153170) "SEB" (LT367044060006168068) "Luminor" (LT644010042401119285) Purpose of payment: If the contract is concluded in your name - "Inbank" contract number. If the contract is concluded in the name of another person - "Inbank" contract number, person's name, surname and personal code. BY CASH OR BANK CARD At all Maxima cash desks; At Lithuanian Post offices; At Perlas terminals; At Swedbank, SEB, Luminor bank branches. Don't forget to have the contract sheet with the barcode with you.

You may not receive e-invoices if you have not subscribed to this service from 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 payment, we will resume sending e-invoices to you.

The payment is credited on the same business day if you pay the deposit: At Swedbank, Luminor or SEB bank branches on a business day before 4 p.m.; Using bank references at Inbank self-service or by bank transfer and making the payment on a business day before 4 p.m.; The payment is credited on the next business day if you pay the deposit: At Perlo terminals; At Maxima cash desks; At Swedbank, Luminor or SEB bank branches on business days after 4 p.m., on weekends and on non-business days; Using bank references at Inbank self-service or by bank transfer and making the payment on business days after 4 p.m., on weekends and on non-business days.

If you notice that your data has been used by a third party, please contact your bank immediately and inform us about the situation by email info@inbank.lt or by phone: +370 700 700 80 (only on business days from 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 request any supporting documents, except when concluding a car loan agreement: in this case, we have the right to request documents confirming the purchase of the vehicle.

We do not provide such services. We would like to inform you that fraud cases have increased. If you have received calls from non-Lithuanian speaking individuals offering to invest or earn money online, or introducing themselves as our partners, please contact us immediately by phone: +370 700 700 80 (weekdays from 8:00 to 20:00, Saturdays from 9:00 to 20:00, Sundays from 10:00 to 18:30), or by e-mail info@inbank.lt.

No

No. By filling out a loan application for home renovation and concluding a contract, you confirm that you are the borrower and the true owner of the account you specified to which the money is transferred.

Yes, it is possible to get a loan to your Revolut account.

When concluding the contract, you can choose the most suitable payment date for your loan. The standard loan payment date is the 15th of the month.

No, there is no loan insurance. However, you can choose loan insurance as an additional service.

No, we do not provide such a service.

No, but you can fill out a new loan application.

No, we currently only issue loans to individuals.

A home loan plus agreement can be concluded by persons aged 18 and over.

Payment deferral of installments, excluding interest, is possible for up to 6 months, but only if you meet all the necessary conditions set out in the Consumer Credit Law. To defer payment of installments, please complete and sign the application and send it by e-mail to info@inbank.lt. We will also ask you to attach evidence of a decrease in income or other reasons to the application you send. Please note that credit installments should be paid until you receive confirmation that your application for payment deferral has been approved.

You can follow the amount and schedule of payments on the self-service page. Or contact us by e-mail info@inbank.lt or by phone: +370 700 700 80 (weekdays from 08:00 to 20:00, Saturdays from 9:00 to 20:00, Sundays from 10:00 to 18:30).