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 fast loan?
A fast loan is a convenient and quick way to get extra money for unexpected situations, such as buying a new device, car repair costs, or simply a temporary financial shortfall. Applications are made via ESTO self-service, and the process is designed to be as quick and easy as possible for you.
Once your application has been approved, the money will usually be transferred to your current account within a few minutes if the loan decision is positive. What makes a quick loan special is its speed and flexibility.
Once your application has been approved, the money will usually be transferred to your current account within a few minutes if the loan decision is positive. What makes a quick loan special is its speed and flexibility.
How quickly will the money reach my account?
Our goal is to make the entire process as quick as possible for you, so that you can get your money exactly when you need it.
If the application is submitted on a business day and your bank supports real-time payments, the loan amount will usually be paid out within a few minutes after signing the agreement. If the application is submitted outside business hours, the payment may be made on the next business day in the morning.Translated with DeepL.com (free version)
If the application is submitted on a business day and your bank supports real-time payments, the loan amount will usually be paid out within a few minutes after signing the agreement. If the application is submitted outside business hours, the payment may be made on the next business day in the morning.Translated with DeepL.com (free version)
How much can I apply for with an fast loan?
The amount of a fast loan usually ranges from a few dozen euros to a couple of thousand euros. The exact amount depends on your income, existing obligations, and previous payment history.
Each application is assessed individually in order to offer a loan amount and monthly payment that suits your financial capabilities. Before applying, you can use the ESTO loan calculator, which shows how much your monthly payment and total cost would be for different amounts and periods.
Each application is assessed individually in order to offer a loan amount and monthly payment that suits your financial capabilities. Before applying, you can use the ESTO loan calculator, which shows how much your monthly payment and total cost would be for different amounts and periods.
How to apply for a loan?
Applying for a loan is done digitally and the process is quick. Log in to the ESTO portal (use your ID card, Mobile ID, Smart ID, or password authentication to log in) and submit your application in the self-service portal.
First, select the desired loan amount and period and submit some personal and financial information. Submitting an application takes only a minute, and your application will be reviewed immediately. If approved, the money will usually be transferred to your account within a few minutes after signing the agreement. The exact terms and conditions of the fast loan can be found on the ESTO website.
First, select the desired loan amount and period and submit some personal and financial information. Submitting an application takes only a minute, and your application will be reviewed immediately. If approved, the money will usually be transferred to your account within a few minutes after signing the agreement. The exact terms and conditions of the fast loan can be found on the ESTO website.
How long can you take out a fast loan for?
You decide whether you want to repay the loan faster with larger monthly payments or spread the amount more conveniently into smaller monthly installments. Depending on the terms of the agreement, the repayment period is generally 1 to 12 months. The interest rate depends on your personal financial situation.
A flexible payment schedule allows you to tailor the loan to your financial capabilities, making repayments easy and stress-free.
A flexible payment schedule allows you to tailor the loan to your financial capabilities, making repayments easy and stress-free.
Are there any restrictions I should be aware of when applying for a loan?
You can apply for an ESTO fast loan if you meet a few simple conditions, such as being between 19 and 70 years of age and having your main residence and income in Estonia. It is important that you have a steady income, no active payment defaults, and that your financial situation is balanced, i.e., your existing obligations and income allow you to repay the loan regularly.
If these conditions are met, we can offer you a responsible loan solution that suits your needs.
If these conditions are met, we can offer you a responsible loan solution that suits your needs.
What is the interest rate on an fast loan?
The interest rate on a fast loan starts at 9.9%, with the exact rate depending on your creditworthiness and the loan amount.
What does the credit cost rate show?
The annual percentage rate (APR) indicates the actual total annual cost of the loan as a percentage of the loan amount. In addition to interest, this includes all other costs, such as contract fees, administration fees, and other loan-related service fees.
How to repay the loan?
You can make monthly repayments on your loan via ESTO self-service. When you log in to your account, you can also make separate early repayments.
Repayments can also be made by transfer from your home bank. If you have more than one consumer loan from ESTO, we will send you a joint monthly invoice for all active loan agreements, the details of which can be found on the invoice sent to you.
Repayments can also be made by transfer from your home bank. If you have more than one consumer loan from ESTO, we will send you a joint monthly invoice for all active loan agreements, the details of which can be found on the invoice sent to you.
Can I repay the loan before the due date?
Yes, you can always repay your fast loan early directly in ESTO self-service. Simply select the relevant loan, enter the amount, and confirm the repayment. If you repay the loan early, you will only pay interest for the period used. This way, you save money and terminate the loan agreement faster, without additional fees.
What should I do if I am unable to make my loan payment on time?
If you find yourself unable to make a payment on time, please contact ESTO customer support immediately at [email protected]. We will help you find a solution, for example, we can extend the repayment period, reduce the monthly payment, or offer a payment holiday of up to three months. Early communication helps avoid additional costs and payment disruptions.
Is it safe to apply for a loan through ESTO?
Yes, ESTO loan applications are secure. We use modern data protection and authentication solutions, such as Smart-ID, Mobile-ID, ID card, or password login, to ensure that your personal and financial information is protected.
All data is encrypted and used only for processing your application. More detailed information about privacy and security is always available on the ESTO website.
All data is encrypted and used only for processing your application. More detailed information about privacy and security is always available 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.