Klix Pay Later

Information on how to pay the credit, where, when and how much to transfer funds, how much outstanding credit is left, when interest starts to be calculated, etc. – it is most convenient to find the mano.citadele.lt on the self-service portal, which can be found in the "My applications" section of our website, by logging in with Smart-ID or Mobile-ID.

You will also find information with the payment schedule in the credit agreement that was sent to your e-mail address. At the bottom we provide information on where in the contract you can find this information.

If for some reason you want to return the purchased product or service - you need to notify the seller (trader) of the product. If the seller agrees to terminate the contract for the purchase of the product, their employee will inform us about this and return the money directly to the Citadele bank. After the funds are repaid, the loan will be automatically repaid (its balance is covered) within one working day. And if the purchased product or service is returned to the seller only partially (e.g. one product out of three), the amount of your loan will also be reduced accordingly.

If the type of loan you have is one of our Klix 1 / Klix 3 / Klix 6 / Klix 10 or Klix 12, where the loan term is 3 years (36 months) and the period at the beginning of the agreement when no interest is calculated, for example, Klix 6, then you have the opportunity to repay the entire loan within the appropriate (e.g. 6) number of months without paying interest. So, if you want to make a partial repayment of the loan - you need to do this at the end of this period. And if you are going to repay the entire credit in installments during this period - you must:

1) accumulate additional amounts of advance repayment on the credit instalment payment account and when you accumulate a sufficient amount of funds (equal to the balance of the loan and other payables) – the loan will be automatically covered (without any additional request) and you will be informed about the repaid loan by automatic notice; 2) if, however, during the period during which interest is not calculated, you have not accumulated the full amount of the credit balance - fill in the application for early partial repayment (see the paragraph at the bottom "You can submit an application in the following ways") at the end of the loan.

If the type of loan you have is any other (eg. Klix Free 6, when the credit is granted for a term of 6 months without interest) then you must:

1) to accumulate additional amounts of advance repayment in the credit instalment payment account and when you accumulate a sufficient amount of funds (equal to the balance of the loan and other payables) – the loan will be automatically covered (without any additional request) and you will be informed about the repaid loan by automatic notification.

2) if you have nevertheless accumulated part of the funds and you definitely want to return them (for example, you want to pay lower contributions than provided for in the contract schedule for the rest of the period) - fill out an application for an advance partial refund (see below).

You can submit an application in the following ways:

(a) if you have Citadele Internet Bank – in the section "Credits and leasing" - > "Early repayment"; (b) info@citadele.lt by e-mail. Please indicate your personal and contact details in the application; the number of the contract for which you want to make a partial refund; the amount of early repayment; and you must sign the application itself with an electronic signature. (c) after registering and arriving to fill out an application at a branch of Citadele Bank.

Please note that for each day spent, interest at the rate of 0.05% is applied, which is calculated from the time not paid on time.

If you want to change the monthly payment day specified in your contract to one that is more convenient for you (e.g. from 15d. to 25d. – submit a request in which to indicate the desired new month's payment day.

Before sending an electronically signed application to the info@citadele.lt, make sure that your credit instalment payment account contains an amount of EUR 25 to pay the fee for such a change.

Sometimes, after the repayment of the loan, the balance of funds remains on the credit installment payment account. If more money has been transferred to your credit instalment payment account than is required to fully repay the loan, on the basis of the linked consumer credit agreement between you and Citadele Bank, such funds will be returned to another account with Citadele Bank (e.g. a bank account, if there is none – the payment account of another Klix credit instalment). If there are no such accounts - then the funds will be transferred to the account of another bank from which the last transfer of funds was received.

If you want to receive these funds to an account other than the one from which the last payment was transferred) or you want the bank to transfer them to you as a matter of urgency, you need to fill out an application for the repayment of unused funds to cover the loan.

In the application, you should specify the account to which you would like the funds to be transferred.

You can fill out and submit the form.

You can fill out and submit an application in the following ways:

1. by e-mail info@citadele.lt (in this case, you must sign the application with an electronic signature).
2. "Citadels" Internet banks;
3. After registering and arriving to fill out an application at the Citadele Bank branch

The number indicated in Klix 3 is the number of months during which the credit can be repaid / paid without any interest or other fees.

Example of Klix 3:

The loan amount is 300 EUR. If the credit is fully repaid within 3 months from the date of granting the loan - the interest rate is 0%, the annual percentage rate of charge for consumer credit is 0%, and the total amount to be paid, which you have to repay is 300 EUR.

More: https://klix.app/klix-free/

If you have been offered and have chosen one of our (Klix 1 / Klix 3 / Klix 6 / Klix 10 or Klix 12)" products, for example, Klix 6, you have the opportunity to repay the entire loan within 6 months without paying interest. If you repay the full amount of credit within an interest-free period, the agreement is automatically closed.

The loan term is longer because Citadele bank has already immediately given you the opportunity to pay the loan in smaller installments if you cannot do so during the period during which interest is not charged.

The last page of the loan agreement gives you an example of how you can make monthly payments to cover (pay off) the loan during the period without interest.

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.

Send a free-form, electronically signed request with the correct information to the e-mail address: info@citadele.lt or submit it personally to any of Citadele's customer service desks.

If you have any questions, please call us at +37052219091.

The maximum amount of credit is 15,000 EUR, but if your financial capabilities allow you to borrow such an amount, and the cost of the purchase is higher - you can always pay part of the purchase price with your own funds.

Yes, partial repayment is possible, but you need to contact the seller of the product or service, who will inform the bank about the partial return and transfer the funds to the bank, and the amount of your credit will be reduced by the amount of the returned price. You will be able to see your new repayment schedule in the "My Applications" section of our bank's website.

If the product or service did not match the description, is damaged or there is another situation that causes you to return the purchase – first of all, contact the seller of the product / service. He will inform you about the process of returning the purchase, and when it occurs - he will inform the bank about the full or partial refund of the price, the credit you have will be fully or partially repaid when the service provider transfers the money to the Citadele bank. The process of returning money to the bank takes place quickly enough and in most cases takes from 1 to 3 working days, but in some cases this can extend and up to 2 weeks. Whether the seller has already transferred the purchase price (part of it) and the credit has been covered (reduced) - you can check in the "My applications" section of our website.

No, no notifications of monthly payments are sent to your email address, but you can view this information in the "My Applications" section of our website by logging in with Smart-ID or Mobile-ID.

No, it's impossible.