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First 30 days at 0 % interest — anything you draw in the first 30 days costs nothing in interest. Limited time offer.

Set your limit and withdraw anytime.

Credit line

Your credit limit4 000 €
First monthly payment—
ApplyHow it works

Interest from 19% per year. The result is approximate and may differ from the terms offered to you. Your first monthly payment is 1/120 of the total loan amount plus the accrued interest. As you make monthly payments, both the balance and the interest decrease dynamically. Submit an application to get your exact monthly payment. In the end you pay only for the credit you use, and you can always repay early.

  • No withdrawal, no costYou only pay for the amount you actually draw.
  • Decreasing paymentsEach withdrawal's monthly payment shrinks over time.
  • Renewing limitRepayments flow straight back into your available limit.
  • No fixed termPay the minimum, or clear it early — your call.

How it works.

Credit line sits quietly in your ESTO account. Withdraw any amount when you need it — unused limit costs nothing.

  1. 1
    Choose a limit and log inPick the limit that fits your life — logging in is quick and secure.
  2. 2
    Finish the applicationAdd your personal and financial details. No paperwork.
  3. 3
    Get a decision and signA credit decision can take as little as 30 seconds. Sign the contract digitally and you're set.
  4. 4
    Withdraw anytime, repay monthlyPart of your monthly payments go back towards your usable limit. Unused limit costs nothing.
Apply for credit line

Credit line FAQ

Quick answers to the most common credit line questions.

More answers
What does the credit line cost if I don't use it?

Nothing. There is no monthly fee, no contract fee and no charge for an unused limit. You pay interest only on the amounts you have actually withdrawn, for the time they are outstanding.

How does the renewing limit work?

Part of every monthly repayment is principal — and that part becomes available to withdraw again immediately. Your limit refills as you repay, without re-applying.

Why do the monthly payments decrease?

Each withdrawal is repaid in instalments where the principal share is fixed and the interest is calculated on the remaining balance. As the balance shrinks, so does each month's payment.

How fast is the money on my account?

Withdrawals are transferred to your bank account immediately — with most Estonian banks the money arrives within minutes, around the clock.

Can I repay everything early?

Yes, at any time and at no extra cost. Early repayment stops the interest on the repaid amount the same day.

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Nearly 1 million people use ESTO

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