Loan recrediting and refinancing

Refinancing means replacing an existing loan with a new – more favorable – one from a different lender. Inbank evaluates your situation and may offer you a loan with a lower interest rate or a more convenient repayment schedule. If needed, you can also get additional funds alongside refinancing your obligations.

After receiving your application, we evaluate your creditworthiness and prepare a suitable offer. You will review all the terms before signing the contract and choose what suits you best.

Refinancing is suitable if you want to replace an existing consumer loan or car loan with a new offer that’s more appropriate for your current situation. It lets you simplify your obligations and possibly receive an additional amount within a single payment and agreement.

Yes. Refinancing allows you to review the terms of your current loan – you might extend the repayment term or get a better interest rate, which can reduce your monthly payment.

Yes, if your creditworthiness and chosen term allow it. When applying, indicate both your existing loan amount and the additional amount you need, and we will prepare a suitable offer.

We offer flexible repayment terms ranging from 6 months to 7 years. We will be happy to help you determine the most suitable repayment schedule that will best match your financial capabilities. To find out the Inbank offer, please fill out the application.

Just fill out the online application. Indicate your current loan and – if needed – the additional amount. After the evaluation, you will receive a personalized offer in your email.

To assess your creditworthiness, we need your bank account statement. You can upload it manually or directly from internet banking. If you work abroad, you’ll also need to provide a salary statement for the last 3 months.

The loan amount will be transferred to the financial institutions that issued the loan. In certain cases, money can be transferred to your account. If any other documents are needed, the credit specialist will inform you.

The money will be transferred to the indicated financial institutions that issued the loan within one working day and Inbank will completely take over the financing process.

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 into your Inbank customer profile.

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 Support 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.