Klix Pay Later

To make a partial loan repayment, log in to the "My Applications" open your specific loan agreement, and fill in an order on the early repayment of your loan. As the early repayment method, choose “Partial loan repayment” and enter the required sum.

After processing your order, we will send you an email informing you of our decision.

To log in to My Applications, you need Smart-ID or Mobile-ID.

If you have any questions, you can contact us by calling +370 5 221 9091.

To receive an offer, when buying a product or service on the seller's website or in a store, select "Klix payment by installments" as a payment method and fill out the application form.

Information on how to pay the credit, where, when and how much to transfer funds, how much outstanding loan is left, when interest starts to be calculated, etc. – it is most convenient to find it on "My applications" self-service portal on our website, you can log in with Smart-ID or Mobile-ID.

The detailed information is described in your loan agreement, which you received by email after signing the contract. In the agreement, you will find:

• monthly payment amount and term.
• the account number to which payments should be made.
• the date of the first payment.
• the date of the final payment.

If you were offered and chose one of our Klix 1 / Klix 3 / Klix 6 products you have the option to repay the full loan within 6 months without paying interest. If you repay the entire loan amount within the interest-free period, the contract is automatically closed.

The loan term is longer because Citadele bank provides you with the flexibility to make smaller payments in case you are unable to repay the full amount within the interest-free period.

On the last page of your loan agreement, you will find an example of how to make monthly payments to fully repay the loan within the interest-free period.

If a product or service does not match the description, is damaged, or there is another reason for returning it, you should first contact the seller. The seller will inform you about the return process, and once the product is returned, they will notify the bank about the full or partial refund.

Your loan will be fully or partially repaid once the seller transfers the funds to Citadele bank. The refund process is usually quick, taking 1 to 3 business days, but in some cases, it may take up to 2 weeks.

To check if the seller has already transferred the refund and whether your loan has been adjusted, log in to the "My Applications" self-service portal on the Citadele bank website.

When you choose the Klix Pay Later payment method, the maximum purchase amount is 15 000 EUR. If, after we evaluate your borrowing ability, the amount you require is not available, you can cover part of the purchase with your own money as a deposit. 

Please note that a late fee of 0.05% will be applied for each day the payment is missed, calculated on the amount that day it was not paid.

If you want to change the payment date specified in your contract to a more convenient one, please submit a request indicating your preferred new payment date, which can be between the 1st and the 28th of the month.

The easiest way to submit the request is by logging into the "My Applications"  choose "View Contracts" and fill out the "Free form order" specifying the new desired payment date.

You can log into My Applications with Smart-ID or Mobile-ID.

Before submitting the request, make sure that your loan payment account has a balance of 25 EUR to cover the fee for this change.

Sometimes, after repaying a loan, there may be a balance left in the loan repayment account. If more money was transferred to your loan payment account than needed to fully repay the loan. These funds will be returned to your other account at Citadele bank based on your linked consumer loan agreement with Citadele. This could be a bank account, or if none exists, another Klix loan payment account. If you do not have such accounts, the funds will be transferred to another bank account from which the last funds transfer was made.

If you want to receive these funds in a different account (other than the one from which the last payment was made) or if you want the bank to transfer the funds urgently, you need to fill out a request for the refund of unused funds for loan coverage. 

The easiest way to do request is through our website under My Applications, logging in using Smart-ID or Mobile-ID. Then choose "View Contracts" and fill out the "Free form order" and enter your bank and the account number to which we should transfer the funds. 

Order text example: Please transfer my balance to my bank account. Bank account no.:_____, bank name: _____.

No, this is not possible.

Yes, partial returns are possible. However, you must contact the seller of the product or service, who will inform the bank about the partial return and transfer the funds to the bank. Your loan amount will then be reduced by the refunded amount.

You can view your updated repayment schedule by logging into the "My Applications" self-service portal. 

To update your contact information, visit the My Applications section on our website, open the relevant loan agreement, and fill in a Free-form order stating your updated contact information.

To log in to My Applications, you need Smart-ID or Mobile-ID.

If you have any questions, you can contact us by calling +370 5 221 9091.

No, we don’t send monthly payment reminders by email. You can see loan payment information on our website under My Applications by logging in with Smart-ID or Mobile-ID.

If you want to return a purchased product or service for any reason, you must notify the seller. If the seller agrees to cancel the purchase agreement, their staff will inform us and refund the money directly to Citadele bank. Once the funds are returned, the loan will be automatically repaid (the remaining balance covered) within one business day.

If only part of the purchase is returned (e.g., one item out of three), your loan amount will be reduced accordingly.

If you paid part of the price with your own funds (i.e., not from the loan), you should contact the seller directly for a refund of that portion.

If you want to repay the entire loan today, transfer the amount equal to the loan and any other outstanding balances to the loan payment account. The loan will automatically be settled by the end of the day without any additional request. You will receive an automatic notification regarding the repaid loan.

If you wish to submit a written request for the full loan repayment (this is not mandatory), log in to the "My Applications" and choose on "View Contracts" and fill out the "Early Loan Repayment" request, selecting "Early Repayment of the Entire Loan."

After reviewing your request, we will send you an email informing you about the progress of our decision.

To log in to My Applications, you need Smart-ID or Mobile-ID.

If you have any questions, you can contact us by calling +370 5 221 9091.