Self-employed loan
Bring your business ideas to life
Access up to €15,000 with competitive interest to expand your business, upgrade equipment, or launch new projects.
Loan calculator
Estimate your monthly payments based on the chosen loan amount and time period.
Monthly payment
The calculation is approximate and may differ from the conditions offered to you. Please submit a loan application to receive a personal offer.
Smart and simple
We know your time is valuable, so we’ve made our financing fast, straightforward, and tailored to fit your needs.
Flexible terms
Choose the loan amount and period that suit your plans.
Easy application
No hassle with extra documents, just one simple application.
Quick decisions
Money transferred to your account within one working day.
Pick the financing most suitable for you
Compare different loan options and make the smartest choice.
Self-employed loan
| Amount | 500 – 15 000 € |
| Period | 6 – 72 months |
| Interest | from 7.9% |
| Agreement fee | 2.9% of the loan amount |
| Administration fee | from 4.90 € per month |
Car loan
| Amount | 2 000 – 20 000 € |
| Period | 12 – 84 months |
| Interest | from 6.9% |
| Agreement fee | from 2% of the loan amount |
| Administration fee | from 4.90 € per month |
Fast, hassle-free application process
Take these simple steps to finance your ideas.
01
Fill in the form
Choose a suitable monthly payment and fill in the loan application. You’ll receive a credit decision immediately.
02
Sign the agreement
Identify yourself and sign the contract using Smart-ID or eID.
03
Receive the money
We’ll transfer the loan amount to your bank account within one working day after signing the contract.
Not quite what you need?
Reach out to us or browse our other loans to find just the right solution.
ExploreFrequently asked questions
A self-employed loan is designed for people working outside of traditional employment contracts – including freelancers, self-employed individuals and small business owners.
The loan amount is up to 15 000 € with a repayment term of up to 72 months, and collateral is not required. The interest rate is determined individually. To receive a specific offer, fill in the simple application form – without unnecessary bureaucracy. You’ll receive a offer within minutes.
Interest rates depend on the amount, term, and loan type. To know your rate, just fill in the application – it takes only a few minutes. The interest rate is fixed for the entire loan term and is not linked to Euribor, meaning your monthly payment will remain constant.
Freelancers, self-employed individuals, and small business owners with regular income are eligible to apply.
Inbank offers loans up to 15 000 €. The final amount depends on your income and creditworthiness. Enter your desired amount in the application and we’ll evaluate it individually.
Inbank offers flexible repayment options. The most commonly chosen term is 24 to 60 months, but you can opt for a shorter or longer period depending on your preferences and capabilities.
The application process is simple and convenient. You can apply online by selecting the desired amount and term using the calculator.
You’ll need to submit a bank statement for the past 6 months. This can be easily attached via automated bank data submission through GoCardless. If you’re employed abroad, a 12-month statement and/or a tax authority certificate for the previous tax year may be required.
No, the loan can be used at your discretion. There is no need to provide a purpose for the funds.
If the contract is signed by 3 p.m., the money will be transfered to the account on the same day. This applies to customers who have an account with Swedbank and Citadele. Customers with an account in another bank will receive the money next 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 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.
Yes, you can change the date of monthly payment. To apply for these changes, 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.