Limited Offer! No signing fee.
Apply now!
Limited Offer! No signing fee.
Fast application
It takes just a minute to apply, get a reply in real-time
Affordable interest
Loans starting from 9.9% depending on your credit capacity
No down payment
Get your money without paying anything upfront
Reduce payments
Convert your loan to credit line for smaller payments
It's easy as 1, 2, 3
1
Apply
Choose a loan, then fill in your contact info and some financial details. It takes just a minute.
2
Receive offer
We’ll review your application in real time and send you a personalized offer.
3
Receive money
Sign the contract and receive the funds straight to your bank account.
About ESTO loans
Frequent questions
What is a health and beauty loan?
A beauty loan is an unsecured consumer loan specifically designed to finance health and beauty-related expenses. Because it is used for personal health and beauty, beauty loans are often referred to as health and beauty loans.
What can a beauty loan be used for?
Beauty loans are generally used to finance important but expensive health and beauty-related services that involve a large one-off cost.
The most popular uses for beauty loans are extensive dental treatment (such as implants or cosmetic orthodontics), laser eye surgery to correct vision, and cosmetic surgery procedures. In addition, it can also be used for long-term rehabilitation, comprehensive health checks, fertility treatment, or the purchase of special medical products.
The most popular uses for beauty loans are extensive dental treatment (such as implants or cosmetic orthodontics), laser eye surgery to correct vision, and cosmetic surgery procedures. In addition, it can also be used for long-term rehabilitation, comprehensive health checks, fertility treatment, or the purchase of special medical products.
Who can apply for a beauty loan?
You can apply for an ESTO beauty loan if you are between 19 and 70 years old at the time of application, your permanent or main place of residence is in Estonia, and you have a regular income in Estonia. It is also important that you have no active payment defaults or previous serious payment delays and that your income and obligations are in balance.
If these conditions are met, we can be sure that you will receive a loan solution that is suitable for your situation and responsible.
If these conditions are met, we can be sure that you will receive a loan solution that is suitable for your situation and responsible.
How to apply for a beauty loan?
Applying for a loan is quick and easy. To do so, submit your application via the ESTO portal. Select the desired loan amount and period in the ESTO self-service environment and submit the necessary financial and personal data. Submitting an application takes only a minute, and your application will be reviewed immediately after submission.
What is the difference between a small loan and a health and beauty loan?
A small loan can be used for any purpose, but a beauty loan is designed specifically to cover expenses related to improving your health and well-being. This allows you to undergo the necessary procedures immediately, without a long period of saving, investing directly in improving your health and quality of life.
What are the maximum and minimum loan amounts that can be applied for?
The exact loan amount will be determined after you submit your loan application. The minimum loan amount starts at a few hundred euros, and the maximum loan amount is generally up to a few thousand euros. If you have questions about what loan amount or monthly payment would suit your financial capabilities, write to our customer support and ask an expert for advice. This way, you can be sure that you will get the most suitable loan offer.
How long is the loan repayment period?
You can choose a loan repayment period that suits you, which generally ranges from a few months to 10 years. The repayment amount also depends on the loan period and loan amount.
Is it possible to repay the loan early?
Of course! Early repayment of a loan is very convenient. To do this, log in to ESTO self-service and add the repayment amount to the final balance displayed in the system. You will not have to pay interest on unused credit in the future.
What are the credit cost rate, interest, and other fees for a beauty loan?
All exact costs and fees are shown in the payment schedule provided before the agreement is concluded. All costs (such as the agreement fee or monthly administration fee) are also included in the annual percentage rate of charge.
Is the cost of credit important?
The annual percentage rate (APR) is the most important indicator of a loan offer, as it reflects the actual annual cost of the loan as a percentage. The APR includes not only interest, but also all other mandatory fees, providing a comprehensive and clear picture of the total amount of the loan over the years.
What happens if my payment is late?
If you find that you are unable to make your monthly loan payment on time, please contact ESTO customer support immediately at [email protected] so that we can find a suitable solution together. If possible, we will offer you an extension on your loan repayment. It is also possible to apply for a payment holiday of up to three months.
Is applying for ESTO secure?
Yes. ESTO uses secure data processing and authentication tools (e.g., Smart-ID, Mobile-ID, ID card, or password to access self-service) to ensure the protection of customer data and secure application submission. More detailed information about privacy and security can be found on the ESTO website.
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How monthly payment is calculated
Loan amount
500 €
Period
12 months
Contract signing fee
0 €
Monthly management fee
2.90 €
Interest
7.90 %
Annual interest rate (APR)*
22.20 %
Total amount payable
556.44 €
Monthly payment
46.37 €
* APR (Annual Percentage Rate) is the percentage of the total cost of the loan, including loan interest, contract fee and other costs payable for granting the loan.