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 loan?
A health loan is intended to cover medical and health-related expenses. It is used, for example, to finance dental care, eye surgery, medical procedures, infertility treatment, and other medical services.
Why choose a health loan?
With a health loan, you don't have to put off necessary procedures – you can see a specialist at the right time and make the best choices for your health. It allows you to cover various medical expenses, such as dental care, eye surgery, infertility treatment, and other medical services that are not covered by health insurance, which would otherwise require a long wait or doctor's visits that are expensive as a one-time expense. With a health loan, you can focus on what matters most – your health, well-being, and improving your quality of life.
Who can apply for ESTO consumer loans?
You can apply for an ESTO consumer 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
- you have a regular income in Estonia
- you have no active payment defaults or previous serious payment delays
- your income and obligations are balanced, allowing you to repay the loan regularly
If these conditions are met, we can be sure that you will receive a loan solution that is suitable for your situation and responsible.
- you are between 19 and 70 years old at the time of application
- your permanent or main place of residence is in Estonia
- you have a regular income in Estonia
- you have no active payment defaults or previous serious payment delays
- your income and obligations are balanced, allowing you to repay the loan regularly
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 can I apply for a health loan?
Applying for a health loan is quick and easy. You can submit your application digitally via the ESTO portal. First, select the desired loan amount (up to €10,000) and term (up to 120 months) and submit some personal and financial information. Submitting an application takes only a minute, and your application will be reviewed immediately.
What is the maximum health loan amount?
We will review your application in real time and offer you the maximum possible loan amount. Depending on your creditworthiness, the maximum loan amount is up to €10,000.
What is the cost of credit rate?
The annual percentage rate (APR) is individual and shows how much the loan will cost you in total. The APR takes into account interest, contract fees, and monthly fees.
What are the other costs associated with a health loan?
All costs and fees related to the health loan are shown in the payment schedule provided before the agreement is concluded. The interest rate on consumer loans is fixed for one year. The interest rate depends on the specific loan product selected and the loan amount. The agreement fee and other terms and conditions are specified in the loan agreement. If you have any additional questions, please contact our customer support at [email protected].
Can I repay my health loan early?
Yes, early repayment of a health loan is possible. All you need to do is log in to the ESTO self-service environment and add the final balance displayed in the system to the repayment amount field. You do not have to pay credit interest.
Is it safe to apply for a health loan through ESTO?
Yes, applying for an ESTO health loan is secure. 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.