With ESTO's personal credit line, you pay off the interest on the amount you borrow. By opening a credit account, you get instant access to the required amount of money without having to worry about administrative or contract fees. What’s more, you can use credit interest-free for the first 30 days. Therefore, you can give ESTO's personal credit line a try at no additional cost!
Personal credit line
Signing up for our credit line takes just a minute and money gets transferred to you in seconds. No paperwork, no fuss.
How it works
Credit line explained
How it works
With ESTO’s credit line you pay interest only for the amount in use with a flexible repayment schedule.
Activate credit limit
Choose the desired amount of money and send application
Get approved
Decision for your credit application takes just minutes
Receive money
Use Instant Withdrawal to get your money in seconds
0%
interest first 30 days
Why choose ESTO
370 000 +
customers already trust us
450 000 +
Signed loan contracts
40 000 +
Estonians use ESTO Credit line daily
800 000 +
Purchases financed by ESTO
We strive to make Your day better
Frequently asked questions
What is ESTO Credit line, and why should I use it?
An ESTO credit line is an overdraft facility for an unspecified term. The credit repayment is voluntary and it is obligatory for the customer to pay only a minimum monthly installment, which is 1/60 of the credit taken plus monthly interest.
ESTO credit line is a perfect tool to cover your daily expenses. It is your personal open-ended credit limit. The credit can be used by transferring funds from your ESTO credit line to your bank account. Account activation and contract signing are absolutely free, and you can use your ESTO credit line right after the agreement is signed
How can I make a Credit line withdrawal?
You can make withdrawals from your ESTO Credit line up to your credit limit. The amount that you can withdraw is called available credit and it’s calculated as:
- available credit = credit limit - unpaid (utilized) principal.
The withdrawal amount is transferred to your bank account. To make a money transfer just log in to the ESTO self-service www.esto.eu.
What are the terms and conditions of a Credit line?
ESTO Credit line conditions are personal, vary from customer to customer, and depend on a lot of factors the system takes into account during the scoring process. The terms and conditions that are offered to you are visible at the moment of signing the contract in the Credit line contract. If you have already signed the ESTO account settlement credit contract, you will be able to view your terms and conditions by logging into ESTO self-service.
How long does it take for Credit line withdrawal to arrive at my bank account?
Regular withdrawal to your personal bank account takes 1-3 days. If your withdrawal does not reach your bank account within 3 days, please contact customer support.
If you made the transfer on a Friday afternoon or weekend, the funds will be credited to your bank account on the first business day.
Where can I find the Credit line contract?
You can check your Credit line contract by logging into our self-service at www.esto.eu. You can download the contract from the “loan agreements” section.
Are there any fees for Credit line withdrawals and how are they deducted?
Starting 13.02.2023 ESTO regular withdrawal is FREE. If it is an instant withdrawal, the instant withdrawal fee is added to the next monthly invoice.
ESTO AS
13.07.2023
+ 1400 €
Why choose ESTO’s credit line?
Over 400 000 people trust ESTO as their lender
-
Quick and easy application process
The quick and easy application process ensures immediate access to extra funds. Use the Instant Withdrawal feature available in ESTO's self-service to transfer the desired amount of money to your account within seconds. Yes, you can start using the money immediately.
-
Flexible financial assistance
Our personal credit line is designed to provide quick and flexible financial assistance when you need it most. Remember that the first 30 days are interest-free!
-
Financial freedom
ESTO's personal credit line is created to offer you financial freedom and the opportunity to manage your everyday finances more easily without additional costs. Open your credit line in just a few simple steps: choose a suitable limit, submit your application, and get a decision instantly.
A loan for every life event
short-term loans
With ESTO’s credit line you pay interest
With an ESTO’s credit line, you pay interest
Credit account registration in minutes
Gain instant access to the funds! Our quick digitized process allows you to make withdrawals straight into your bank account without additional steps. Enjoy immediate payouts and financial flexibility!
Interest-only
ESTO's personal credit line offers a flexible and transparent way to manage your financial needs. You only pay interest on the amount you borrow. This allows you to enjoy maximum flexibility and control over your finances.
First 30 days interest-free
You can take out the required amount of up to 4,000€ and use it without additional fees for the first 30 days. With ESTO's personal credit line, there is no need to worry about bogus fees or unfair conditions.
For all your essential expenses
Our personal credit line is designed to cover for all your essential expenses - whether daily shopping or larger purchases. We provide flexibility and freedom to spread expenses, allowing you to manage your cash flow more efficiently.
Get amazing offers
Join our newsletter and get access to exclusive discounts from over 2000 webstores, financial tips, giveaways and much more!
Get in touch
Send us your contact details and our sales representative will get back to you shortly!
Saada taotlus
Saada meile oma kontaktandmed ja meie müügiesindaja võtab sinuga peagi ühendust!
Talk to us
Fill out the form below and we will contact you as soon as possible.
Your request is successfully sent
Your request is successfully sent
Your request is successfully sent
ESTO Cookie policy
Our website uses cookies that can help develop and improve our services. These cookies are necessary to enable the provision of online services to you. Without the use of these cookies the website would not be able to function properly. The use of your personal information obtained through this website is governed by our Privacy Policy.
If you agree with the use of cookies, press “Accept”.
Main cookies