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 consumer loan?
A consumer loan is an unsecured loan that can be used to cover various everyday or unexpected expenses. The loan money can be used, for example, for renovations, buying a car, traveling, or other needs. The loan is repaid in fixed monthly installments according to the payment schedule.
What consumer loans are available at ESTO?
ESTO offers various unsecured consumer loans that you can use for different purposes, taking into account all the latest conditions. For example, if it's time to buy a new car, our car loan is designed for that. Home renovation loans often have flexible terms, making them the ideal choice for those planning to renovate their home.
If you need money to cover urgent and smaller financial needs, choose a flash loan or a small loan. A small loan will cover household appliances and vacations.The exact terms and conditions of consumer credit are provided on the ESTO website. Take a look to choose the one that best suits your needs!
If you need money to cover urgent and smaller financial needs, choose a flash loan or a small loan. A small loan will cover household appliances and vacations.The exact terms and conditions of consumer credit are provided on the ESTO website. Take a look to choose the one that best suits your needs!
Why choose ESTO consumer credit?
A consumer loan is a convenient and flexible way to cover larger expenses. A fixed payment schedule and monthly installments mean that you always have an overview of your expenses. Depending on the type of loan, the repayment period is up to 120 months and the disbursement is fast (the requested loan amount will be transferred to your account within 3 business days after signing the agreement), which makes an unsecured consumer loan very convenient for you.
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?
Start by choosing the amount and period, then provide some personal and financial information. Your will be processed right away. It takes just a minute to apply!
How much can I borrow?
We’ll evaluate your application and offer the highest amount possible. Maximum amount is 15 000 € depending on the loan.
What are the credit cost rate, interest, and other fees for consumer loans?
All exact costs and fees are shown in the payment schedule presented 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.
How does repayment work?
We’ll send you a single monthly invoice for all ESTO contracts. You can also make individual early repayments by logging into your ESTO account.
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 to do if a payment is late?
A loan is a one-time transfer to your bank account. You get the full amount up front, and repay the whole thing over a fixed period. ESTO’s credit line is more flexible. You withdraw only what you need, when you need it. Repayments are based on the amounts you’ve used — not the full credit limit. Each month, your repayment decreases. And part of it goes right back into your available credit. So you can use it again, anytime.
What’s different between a credit line and a regular loan?
A loan is a one-time transfer to your bank account. You get the full amount up front, and repay the whole thing over a fixed period. ESTO’s credit line is more flexible. You withdraw only what you need, when you need it. Repayments are based on the amounts you’ve used — not the full credit limit. Each month, your repayment decreases. And part of it goes right back into your available credit. So you can use it again, anytime.
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.