Limited Offer! No signing offer.
Apply now!
Limited Offer! No signing offer.
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 car loan?
A car loan is a purpose-specific consumer loan intended for purchasing a car, motorcycle, ATV, boat, or other vehicle. The car loan is unsecured, meaning the borrower is the owner of the vehicle from the moment of purchase, and the vehicle is not owned by the lender.
Is a down payment required for a car loan?
No down payment is required for this loan. After submitting the application, it is reviewed in real-time. Upon a positive response, the requested loan amount is transferred to your account so you can immediately buy the car or other vehicle that suits you.
What kind of vehicle can be purchased with a car loan?
With a car loan, you can purchase both new and used vehicles (e.g., passenger car, motorcycle, ATV, moped, van, or other vehicle registrable in the traffic register). There are no restrictions on the vehicle's age or mileage, and no appraisal report is required. This makes the car loan an especially flexible solution for buying a used vehicle.
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 to apply for a car loan?
Applying is fast and easy. Log into our self-service environment (via Smart-ID, Mobile-ID, ID-card, or password). First, enter the desired loan amount and period. Then fill in some personal and financial data and submit the application. Upon a positive decision, the money reaches your account after the contract is signed.
For how long a period can I apply for the loan?
The loan period generally ranges from 6 months to 10 years. The exact period is determined before signing the contract to ensure it fits your needs and capabilities.
How large a loan amount can I apply for?
Generally, the loan amount is up to 10,000 euros, but this may vary based on the terms offered to you. The exact amount is determined after the application is submitted.
Is the ESTO car loan fast and convenient? Can I just click "submit application" and get an answer?
Exactly! Your application is reviewed in real-time, and you receive an answer within minutes. Detailed terms are set out in the contract.
What is the cost of credit rate?
The annual percentage rate (APR) is an indicator that takes into account interest, contract fees, and monthly payments. This percentage helps to estimate the actual cost of the loan and the total amount of credit that must be repaid over the entire period.
Can I apply for a car loan if I have another ESTO consumer loan?
Yes, of course! The easiest way is to contact our customer support at [email protected].
Is early repayment of the loan possible?
Of course! If you wish to repay the car loan early, log into the ESTO self-service and enter the final balance displayed in the system into the repayment field.
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.