F.A.Q. about Artea lizingas

A consumer loan is intended for personal, family, or household needs that are not related to business or professional activities. A consumer loan can be used for various purposes: home repairs, vehicle purchase, travel, financing studies, healthcare expenses, etc.

  • A consumer loan is usually intended for larger, planned purchases or expenses, while a quick loan is intended for urgent and unexpected expenses.
  • The amount of a consumer loan is usually higher than that of a quick loan.
  • A consumer loan is issued for a longer period (from several months to several years) than a quick loan.
  • The interest rate on a consumer loan is usually lower than that of a quick loan.
  • To obtain a consumer loan, your creditworthiness is assessed more strictly than when applying for a quick loan.

The borrower's credit history and income directly affect the interest rate on the loan. If a person has a good credit history: loans have been paid on time, there have been no previous debts, and they have a stable, sufficient income, the lender considers them a low-risk customer and may offer lower interest rates.

However, if the credit history is poor or the income is insufficient, the risk increases, so higher interest rates are applied or the loan is not granted at all.

This is the essence of creditworthiness assessment – the lower the risk to the lender, the more favorable the terms for the customer.

The decision on the loan is usually made within 1 business day of submitting all the necessary documents.

  • If the agreement is signed on a business day before 13:30, the funds will be available the same business day.
  • If the agreement is signed on a business day after 13:30, the funds will be credited either on the same day or by 15:00 the next business day.
  • If the agreement is signed on a weekend or public holiday: on the next day by 15:00.

Please note that due to regulatory requirements and enhanced monitoring procedures, some transfers may take up to 2–5 business days, and in rare cases, even longer. These delays are beyond our control.

You can easily track your payment history in your self-service account.

You can inquire about outstanding payments by calling +370 610 44447 or by logging into the self-service portal, going to the "My Contracts" section, and clicking "View" next to the desired contract. In the window that opens, you will find the field "Amount payable upon termination of the contract today," which co
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If payments are not made on time, the borrower may be subject to late payment fees and other penalties specified in the agreement. This may include: additional fees, termination of the credit agreement, transfer of the unpaid debt to a debt collection company, or reporting the debt to the relevant registers (e.g., Loan Risk Database, Creditinfo Lithuania, Scorify).

Such actions may negatively affect your credit history and make it more difficult to obtain financing in the future.

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Payments are typically processed on the same day they are made. However, we usually receive confirmation of payments within one business day.

If payments are not made on time, the borrower may be subject to late payment fees and other penalties specified in the agreement. This may include: additional fees, termination of the credit agreement, transfer of the unpaid debt to a debt collection company, or reporting the debt to the relevant registers (e.g., Loan Risk Database, Creditinfo Lithuania, Scorify).

Such actions may negatively affect your credit history and make it more difficult to obtain financing in the future.

Yes, repaying your loan early can be advantageous. If your agreement includes fees such as interest or administration charges, these will be recalculated in your favour – meaning they will only apply up to the date of repayment.

It is simple. Find out the exact amount still owed. You can check your remaining loan balance by calling +370 610 44447 or obtain all information in your self-service account.

Existing customers who have a Smart-ID app account with a qualified electronic signature can use it to log in to the Artea Lizingas self-service portal:

1. In the login window, select Smart-ID as your login method;

Self-service portal login

2. Enter your personal identification code and click 'Log in';

3. After receiving the control code on your smartphone, enter your Smart-ID PIN1.

Don’t have a Smart-ID account ye? How to create a Smart-ID account can be read here.

Both existing and new customers can only use a Smart-ID app account with a qualified electronic signature to log in to the Artea lizingas self-service. Check whether the Smart-ID account you are using is valid in the Smart-ID app:

  1. Opening the Smart-ID app and tapping the menu icon at the top;
  2. Selecting the menu item 'User information';
  3. Checking your account level.

Smart-ID           Valid Smart-ID account

If your account is not 'Smart-ID qualified electronic signature' (in the app this is indicated as 'Smart-ID basic'), you can use biometric identification to upgrade your account level from 'Smart-ID basic' to 'Smart-ID qualified electronic signature'. For more information, please click here.

You can also log in to the Artea Lizingas self-service portal using a mobile signature (Mobile-ID). For more details on this option, please click here.

If you are currently using a Smart-ID Basic account, you will not be able to access the Artea Lizingas self-service portal. In that case, you may use an alternative login method – such as the mobile signature (Mobile-ID).

Alternatively, you can upgrade your existing Smart-ID Basic account to a full-featured account with a qualified electronic signature. Once you complete the biometric identification process, your account will be upgraded to a full-access account, allowing you to log in to the Artea Lizingas self-service portal.

Learn more about upgrading via biometric identification here.

Customer inquiries and complaints are handled in accordance with the official procedure outlined in the following document: Procedure for handling customer requests and complaints and providing responses. 

Klientų prašymai ir pretenzijos priimami: 

 If you are not satisfied with our response, you have the right to escalate the matter to the Bank of Lithuania within one year of contacting us. You may contact the Bank of Lithuania at the following addresses: Totorių g. 4, LT-01121 or Žalgirio g. 90, LT-09303 Vilnius, by email: [email protected], [email protected], regarding an out-of-court settlement procedure under the procedure established by the legislation of the Bank of Lithuania. More information: Settle a dispute with financial services provider

An electronic invoice (e-invoice) is an electronic document sent to the service recipient (payer), replacing the traditional paper VAT invoice.

Since 1 January 2016, when Lithuania joined the Single Euro Payments Area (SEPA), direct debit payments were discontinued. If you previously were making payments by direct debit, your payment method was automatically changed to e-invoice.

You can request an e-invoice through your online banking platform, or by visiting any bank branch.

Yes, you will receive a separate e-invoice for each consumer credit agreement or purchase instalment plan you hold.

Funds may not be debited from your account based on a received e-invoice for one of the following reasons: you have not set up an automatic payment agreement; your account balance is insufficient to cover the payment.

We update changes to your loan data in the PRDB, UAB Creditinfo Lietuva and the credit bureau administered by Scorify within 1–5 business days of the change being recorded in our internal system.

You can conveniently track your payments:

  • In the Artea lizingas self-service account;
  • By logging in to the Artea bankas’s internet banking system Artea Line.

Yes, interest is calculated only on the amount you have used. Once you repay the borrowed amount, no further interest charges will apply.

Log in to the Artea Lizingas self-service portal, click on 'Pay' to complete your payment.

Benefits of paying via self-service:

  1. No payment administration fee: unlike some other platforms or physical payment collection points, no additional fees are charged when you pay through our self-service system.
  2. available anytime: the self-service portal is accessible 24/7, every day of the week, giving you full flexibility over when you manage your payments.
  3. Easy access to loan information: you can view your current debt balance, payment history, and other important details directly in your account.

If you use any Lithuanian electronic banking platform, you can make a loan repayment online.

To pay your instalment, simply enter the required payment details (provided below) into your bank’s online payment form.

When submitting the payment order, ensure that you select the correct bank account based on your financial institution.

Always include your contract number!

Recipient:

UAB Artea lizingas

Recipient’s account:

LT64 7180 0000 2046 7006 (AB Artea bankas)

LT78 7300 0100 3974 9931 (AB Swedbank)

LT78 7044 0600 0510 1767 (AB SEB bankas)

LT92 4010 0425 0002 2600 (AS Luminor Bank)

Payment purpose

Contract number, first name, last name.

Important!

If you submit a payment order at a bank branch, we typically receive confirmation of the payment within 1 business day.

Automatic e-invoice payments – never miss an instalment again!

You can activate the electronic invoice (e-invoice) service at any bank branch or through your online banking platform. When ordering the e-invoice service, we highly recommend setting up an automatic payment agreement.

With automatic payment, your instalment will be paid automatically when the e-invoice arrives — you’ll never miss a payment!

Important!

If you only activate the e-invoice service but not the automatic payment, it will be your responsibility to ensure that the invoice is paid on time.

The bank will process the payment based on the received e-invoice only if sufficient funds are available in your account to cover the full amount.

When requesting an e-invoice, always provide your consumer credit agreement number to ensure accurate processing.

Artea lizingas accounts:

LT64 7180 0000 2046 7006 (AB Artea bankas)

LT78 7300 0100 3974 9931 (AB Swedbank)

LT78 7044 0600 0510 1767 (AB SEB bankas)

LT92 4010 0425 0002 2600 (AS Luminor Bank)

You can make a cash payment at any of the following convenient locations:

  • At any bank branch in Lithuania
  • At Lithuanian Post offices
  • At Maxima cash desks
  • At Perlas terminals

How to make a cash payment?

To complete a payment, present your credit agreement with a barcode and clearly state the payment amount. You can also generate and print a payment receipt using the self-service.

Artea lizingas accounts:

LT64 7180 0000 2046 7006 (AB Artea bankas)

LT78 7300 0100 3974 9931 (AB Swedbank)

LT78 7044 0600 0510 1767 (AB SEB bankas)

LT92 4010 0425 0002 2600 (AS Luminor Bank)

If you encounter financial difficulties after receiving a loan, it is important not to delay and to inform the lender.

Most financial institutions can offer flexible solutions, such as reviewing your payment schedule, deferring payments, etc., to help you avoid falling into debt.

The sooner you inform the lender about your difficulties, the more likely it is that a mutually acceptable solution will be found and negative consequences will be avoided.