Health Loan up to 15 000 €

We believe finances should not stop you from getting the best treatment for your health. Therefore we have designed the Health loan in the most convenient way to cover costs linked with medical or wellness treatment, dental care or aesthetic procedures - you apply in dedicated Health loan application and in case of positive decision receive money in lump sum to your personal bank account within one working day. It is up to you how much you cover the invoices for treatments from the loan or combine with your personal funds.

The Health loan is available from €500 to €15,000 with a repayment term from 6 to 72 months. This loan type's contract fee is €0. First monthly payment will be €0 - you have 55 days to take care of yourself when the first payment day will come. The loan application can be completed remotely, and you will receive a response within minutes. Once approved, you can sign the loan agreement conveniently online using Smart ID or an electronic signature.

The interest rate depends on the desired loan amount, term, and your credit history. To receive a personalized offer, we encourage you to fill out a loan application—it only takes few minutes. The interest rate remains fixed throughout the loan period, ensuring that your monthly payments stay the same.

All Latvian citizens and residence permit holders who are at least 21 years old, have regular monthly income, and stable employment can apply. Applicants must not have overdue payments or outstanding debts. A bank account in a Latvian bank, a valid identification document issued in Latvia, active mobile phone number and the email address are required.

The loan amount you can borrow depends on several factors, such as your creditworthiness, current income and ability to repay the loan, and other existing credit obligations. We offer a range of loan amounts to accommodate various needs. During the application process, you can specify the amount you wish to borrow, and we'll do our best to tailor the loan to your requirements. Sometimes specific costs of medical treatment is not know beforehand and unexpected costs occur - you can apply for estimated amount. If you have health insurance and it covers part of the costs, you can apply for finances needed from your personal funds. We suggest to ask for cost estimations to your specialist in medical or estheatic clinic to prepare financing for the procedures or operations.

Our Health loan comes with flexible repayment terms. The repayment period can vary based on the loan amount and your preferences. We offer various repayment options, ranging from 6 months to several years. Our Customer Support can help you determine a suitable repayment schedule that aligns with your financial capabilities. Within Health loan type we offer to do the first monthly repayment after 55 days.

Applying for the Health loan with us is easy and convenient. You can start the application process online by specifying the desired amount and term in the calculator. We'll ask for some personal and financial information to assess your eligibility.

To receive a loan, you need to submit a bank account statement for the last 6 months. This can be easily done using secure-integrated form in the application, where you give your consent to the submission of the account statement. Or you can also add it as a attachment in pdf format including all incoming and outgoing payments during application process. If you are a resident of Latvia employed abroad, you must submit an account statement for the last 12 months (if the salary was received in a foreign account) and/ or submit a statement from the tax administration regarding the payment of state taxes for the last taxation year.

When using the Health Loan, Inbank does not require you to specify which health or beauty procedures are covered by the financing. You do not need to submit receipts or provide a breakdown of the cost of each treatment. We understand that medical and beauty treatments often include multiple elements such as diagnostics, consultations, or pharmaceutical purchases. Therefore, you are free to use the loan amount flexibly to cover related expenses over time.

You will receive the money to your personal bank account not later than the next working day.

You will receive the payment schedule with your contract. We will send you friendly reminder before each payment. You can always check your loan balance by logging in your Inbank customer profile on the Inbank web page by using Smart-ID or e-signature authentification tools. This self service portal is available to you at any time to check your agreements.

Full early repayment of loan is free of charge. Email shall be sent to info@inbank.lv, indicating your personal data, agreement number and the date, on which full loan repayment is planned.

If you have lost your job or will not be able to fulfil your liabilities due to any other reasons – immediately contact our Customer Service to agree on the most suitable solution. Each situation is assessed individually. For us to assess your situation, an email shall be sent to info@inbank.lv, indicating your personal data, agreement number and the reasons for not being able to make payments in a timely manner.

Yes, you can change the date of monthly payment. To apply for these changes, an email shall be sent to info@inbank.lv, indicating your personal data, agreement number and changes you wish to make. The amendments to the agreement are made according to the pricelist. (link to the price list)