Not everything needs a big loan, just the right oneNot everything needs a big loan, just the right one

Small loan

Not everything needs a big loan, just the right one
2000
€
-+
36
months
-+
Monthly payment
100
€
Complete the application for an accurate monthly payment
Apply

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.

Big enough to help. Small enough to manage.

Low interest, affordable payments. Simple terms, no down payment.
Apply
ESTO’s loans are perfect for the things you don’t plan for, or don’t want to wait for.

A small loan is money you can borrow to cover the things life throws at you. Whether it’s for a new sofa, dental treatment, or your next vacation, ESTO loans are flexible, fast, and designed to fit your budget.

Apply now

Choose the amount, set your schedule, and get the funds straight to your account. Application takes just a minute, and you’ll get a decision right away.


No paperwork. No waiting.

Apply now

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About ESTO loans

Frequent questions

What is a small loan?
A small loan is an unsecured loan that can be used to cover various everyday or unexpected expenses. The loan is repaid in fixed monthly installments according to the payment schedule.
Why should I choose an ESTO small loan?
A small loan is well suited for covering small but unexpected expenses that may be difficult to pay for immediately from your own pocket.

Applying for an ESTO small loan is easy and anyone who is at least 19 years old can apply. Submitting an application is quick and you will receive a response within a few minutes. The money is usually transferred to your account within one business day after signing the agreement.
How much can I borrow and how long is the repayment period?
ESTO small loan amounts start at a few hundred euros and go up to a few thousand euros. Depending on the terms of the agreement, the repayment period is generally between 6 and 120 months. The interest rate depends on your personal financial situation.

How to apply?

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. To get started, select the 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, sign the agreement and the money will be transferred to your account within one business day after signing the agreement. The exact terms and conditions of the small loan can be found on the ESTO website.

Are there any restrictions on applying for a loan?
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.
What is the cost of credit rate and why is it important?
The annual percentage rate (APR) is a measure that shows the actual total cost of a loan per year as a percentage of the loan amount. It helps you compare the total cost of different loan offers so you can make an informed decision. The annual percentage rate usually includes the interest rate, contract fee, any administrative or service fees, and other mandatory costs associated with taking out and servicing the loan.
Is a small loan suitable for me if I already have another consumer loan from ESTO?
It is important to us that your income and financial obligations remain balanced after taking out a new loan in order to avoid payment defaults and delays. The final answer will be given after reviewing your application. We want you to get a loan solution that is suitable for your situation and responsible, and we want the monthly loan repayments to be affordable for you.

How does repayment work?

Monthly bills can be paid via ESTO self-service. By logging into your account, you can also make separate early repayments.
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Payments can also be made by transfer from your home bank. We will send you a joint monthly bill for all ESTO contracts; you will find the payment details on the bill sent to you.

Can I repay the loan early?
Yes, you can conveniently repay your consumer loan before the due date in the ESTO self-service environment by adding 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 should I do if I cannot make my loan payment on time?

If you are unable to make your 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 to extend the loan repayment period, thereby reducing your monthly payment. 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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FAQ
Help with the most common ESTO questions

You are on the homepage of the credit organization ESTO AS, which offers financial services. Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. By using the homepage, you signify your acceptance of the website's terms of use.

The annual percentage rate for the hire purchase of ESTO AS is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.

The annual percentage rate for the credit line of ESTO AS is 46.70% under the following example conditions: credit limit 500 EUR, unfixed initial (maximum) interest rate 38.40%, contract fee 0 EUR, monthly administration fee 0 EUR, the total amount of the loan and repayments is 612.14 EUR, provided that the loan is used in full and repaid within 12 months in equal monthly instalments. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.

The annual percentage rate for the small loan of ESTO AS is 46.45% under the following example conditions: loan amount 1000 EUR, fixed interest rate 16.70% per year, contract fee 0 EUR, monthly administration fee 3.90 EUR, the total amount of the loan and repayments is 1222.15 EUR, provided that the loan is repaid within 12 months in equal monthly instalments of 101.85 EUR. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The small loan service is offered and regulated by ESTO AS.

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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.