How to finance your next car - and what else ESTO can help with
Buying a car is one of the biggest financial decisions most people make. And in Estonia, where public transport doesn't always get you where you need to go, having your own car isn't a luxury - it's often a basic necessity.
What's the problem? The upfront cost. Sellers want a deposit. Banks demand paperwork. The whole process can drag on for days before you even know whether you got the loan or not.
The ESTO car loan is built differently.
A fast decision, no waiting
The ESTO car loan is a straightforward loan for buying a car, motorcycle, ATV, boat, or other vehicle. Filling out the application takes about a minute. You get a decision in real time - no waiting around for a banker to call you.
Once approved, the money is transferred straight to your bank account. You buy the car. You own it right away, in full, with no additional conditions.
No down payment. No comprehensive insurance required.
The two biggest obstacles to buying a vehicle - gone.
No down payment means you don't need to have savings in your account before you can move forward. And because the ESTO car loan is unsecured, you don't need to take out comprehensive insurance just to qualify. The vehicle is yours from day one, with no additional conditions.
The interest rate starts at 9.9% depending on your credit profile, and you can spread repayments over a period that fits your budget.
Available in Estonia
People in Estonia can apply for a car loan online in minutes - the same fast response, the same clear terms. If your situation changes and you want more flexibility later, you can convert the loan into a credit line, which means smaller monthly payments.
Not just for cars
The car loan is ESTO's flagship product for vehicle financing, but it's far from the only loan on offer.
Planning a renovation? There's a repair loan for that. Covering the cost of a dentist, surgery, or some other healthcare procedure? A health loan takes the cost off your hands so you can focus on recovering. Flying off somewhere new? A travel loan covers your adventure. And if you want to invest in yourself, there's also a beauty loan.
Each loan is built for its own specific moment in life - and they all share the same fast digital application process. No bank branches, no paperwork. Just a quick online application form and a real-time decision.
How to apply
The process is simple:
1. Apply - choose your loan amount and term, fill in your details. Takes about a minute.
2. Get a decision - ESTO reviews your application in real time and sends you a personal offer.
3. Get your money - sign the agreement digitally and the money lands in your account.
Ready to get moving? Apply for the ESTO car loan and get behind the wheel sooner than you thought.