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Finance your dreams with a consumer loan

Fast loan

Need extra cash for everyday expenses – fast? Get the required amount immediately with the convenient and reliable ESTO Fast Loan!

Applying takes just a minute, and you'll receive a loan decision instantly. Apply now and enjoy the flexibility and convenience offered by ESTO Fast Loan.



Self service

Small loan

Your financial safety net for any occasion! Whether it's a sudden home appliance breakdown or a well-deserved family getaway, ESTO Small Loan is here to have your back.

Self service

Renovation loan

Thinking about updating your home or fixing things up? Our Renovation Loan is perfect for those who want to get started on home improvements without all the red tape of traditional bank loans.


Self service

Vehicle loan

Looking for a quick and straightforward way to finance your vehicle purchase or handle unexpected car expenses? Whether it's a car, motorcycle, or ATV, ESTO Vehicle Loan has got your back!


Self service

Small loan

Are you dreaming of a new car, motorcycle or ATV instead? With a car loan, you can buy the right vehicle for you! No down payment or comprehensive insurance is required, and the vehicle belongs to you immediately.

You can apply for a car loan even before choosing a specific vehicle - so you can be sure that you won't miss out on finding the car of your dreams!

You can find your existing car loan in self service.

Self service

Fast loan

Are you dreaming of a new car, motorcycle or ATV instead? With a car loan, you can buy the right vehicle for you! No down payment or comprehensive insurance is required, and the vehicle belongs to you immediately.

You can apply for a car loan even before choosing a specific vehicle - so you can be sure that you won't miss out on finding the car of your dreams!

You can find your existing car loan in self service.

Self service

Renovation loan

Are you dreaming of a new car, motorcycle or ATV instead? With a car loan, you can buy the right vehicle for you! No down payment or comprehensive insurance is required, and the vehicle belongs to you immediately.

You can apply for a car loan even before choosing a specific vehicle - so you can be sure that you won't miss out on finding the car of your dreams!

You can find your existing car loan in self service.

Self service

Vehicle loan

Are you dreaming of a new car, motorcycle or ATV instead? With a car loan, you can buy the right vehicle for you! No down payment or comprehensive insurance is required, and the vehicle belongs to you immediately.

You can apply for a car loan even before choosing a specific vehicle - so you can be sure that you won't miss out on finding the car of your dreams!

You can find your existing car loan in self service.

Self service

Loan amount

100 500

Loan period

months
1 months 6 months

Monthly payment

35.91 €
Read more

Lending made simple

Find the loan that suits your needs and apply. Your application gets answered immediately.

Swipe and compare

Fast Loan
Small Loan
Renovation Loan
Vehicle Loan
Loan purpose
Any
Any
Property improvement
Purchase of vehicle
Amount
100 - 500 €
500 - 15 000 €
3000 - 15 000 €
1 500 - 15 000 €
Period
1 - 6 months
6 - 72 months
6 - 72 months
6 - 72 months
Special conditions
0% interest
No contract fee
No contract fee
No contract fee
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ESTO AS
13.07.2023
+ 1400 €

How to apply for a loan in 3 steps

Over 400 000 people trust ESTO as their lender

  • Fill the loan application

    Choose a loan and apply. Filling the application takes only a minute and does not require signing a contract.

  • Sign the contract

    Sinu taotlus vaadatakse üle reaalajas ning otsus tehakse mõne minutiga. Tutvu tingimustega ning allkirjasta leping nupulevajutusega.

  • Receive money

    Once you have signed the contract we will transfer the money to your chosen bank account within one business day.

  • Manage your contracts

    Log into the ESTO Customer Profile to manage your contracts, contact support and more.

Frequently asked questions

How do I apply for a loan?

Applying for a loan is fast and straightforward. Simply select the desired loan amount, complete the application in under a minute, and use the identification method of your choice to finalise the process. You'll receive a loan decision instantly.


How quickly will I receive money?

Once you sign the loan contract, you will receive the requested loan amount to your personal bank account within one business day.

How much can I borrow at once?

The loan amount is determined by your current situation. Depending on the type of loan, you can borrow anywhere from 100€ to 15,000€. After a positive loan decision, the amount is confirmed and ready for payout.

How does repayment work?

You will receive a monthly invoice to your email which can be paid through a variety of methods. Early repayments are made from the Customer Profile by viewing your loan, choosing Pay and then Repay total sum. You can also set up standing payments and never miss a payment.

What’s the difference between a loan and credit line?

A loan and a credit line are both methods of borrowing money, but they operate in slightly different ways. With a credit line, you have access to a specific credit limit, which represents the maximum amount of money you can borrow whenever you need it. You can withdraw money from your credit line in any amount and only pay interest on the withdrawn funds. You have the flexibility to repay the borrowed amount in parts or in full.

On the other hand, a loan is a one-time lump sum of money that is transferred directly to your personal bank account. When you apply for a loan, you choose a fixed repayment schedule and a specific period of time to pay it back. You will make regular loan repayments, including interest, based on this predetermined schedule until the loan is fully paid off.

Read more about Credit Line

How quickly will I receive a loan decision after submitting my application?

You'll receive a loan decision immediately upon submitting your application. The entire process takes place online and takes just a minute.


Can I repay the consumer loan early?

Absolutely. You have the flexibility to make early repayments via ESTO self-service platform. Simply select your loan, then navigate to Pay -> Pay back total amount.


More answers on our Support page

Smart financing without leaving your home bank

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A loan for every occasion

Need a loan for any occasion? Depending on the loan type, you can borrow up to 15,000€ and customise the repayment schedule to match your needs. With loan decisions made within minutes, you'll have the funds in your bank account within one working day.

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In-consumption loans which are suitable for your needs

Consumer loans designed just for you! At ESTO, we make the loan application process seamless and offer flexible payment schedules to fit your lifestyle.


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These consumption loans are designed with your needs in mind

ESTO consumer loans are tailored to suit your needs. Apply for a loan in just a few clicks and select a payment schedule that works best for you.


  • Small loan

    Perfect for tackling those smaller expenses hassle-free.

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  • The car rental

    Make your dream of owning a car a reality!

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  • Renovation loan

    Turn your dream home into reality with our flexible terms and easy process.

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  • Quick loan

    Need extra funds for everyday expenses? Get them straight into your bank account within one working day!

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A loan for every life event

Choose the loan type and amount that best fits your needs. You have the freedom to choose the loan amount and payment schedule. Applying for a loan is easy with our online platform – you'll get a decision in just a minute. We'll transfer the funds to your bank account within one working day.


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