loansrenovation bg

Renovation Loan

Funding specifically for the purpose of renovating or improving a property. Cover the costs of repairs, upgrades, or expansions.

Loan amount

3000 15000

Loan period

months
6 months 72 months

Monthly payment

35.91 €
  • Safe and reliable
  • Apply in 1 minute
  • Instant loan decision
  • Flexible repayment
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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 to apply?

Applying for a loan is easy and takes less than a minute! Simply choose the amount, click apply and you will be directed to the application form. Use your preferred identification method, fill in the form and get the answer to your application right away.

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.

What amount of loan can I get?

We will evaluate your loan application and offer you the highest possible loan amount. The maximum amount is 15 000 € depending on the consumer loan.

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 You can withdraw money from your credit line in any amount and only pay interest on the withdrawn funds.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
More answers on our Support page

Smart financing without leaving your home bank

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A loan for every occasion

Depending on the type of loan, the loan amount can be up to €15,000, and you can choose the repayment schedule according to your needs. The loan decision takes only a minute, and the money reaches your bank account within one working day.

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In-consumption loans which are suitable for your needs

In ESTO - we guarantee a smooth loan application process and a flexible payment schedule.

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These consumption loans are designed with your needs in mind

Apply for a loan with just a few clicks and decide a loan schedule according to your needs.

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In-consumption loans which are suitable for your needs

In ESTO - we guarantee a smooth loan application process and a flexible payment schedule.

A loan for every life event

Choose the type of loan and the amount according to your needs. You set the loan amount and payment schedule yourself.

Applying for a loan is done conveniently online, and getting a loan decision takes only a minute. We transfer the amount to your bank account within one working day.

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short-term loans

With ESTO’s credit line you pay interest

A background force that is always there for you!

We support your dreams

Every big dream starts with a small step. ESTO consumer loans support the fulfillment of your goals. Whether it's a dream vacation or a home renovation - our flexible solutions are designed with your wishes in mind.

Financial reserve for every case

You can make withdrawals from your Credit line up to your credit limit. The amount that youcan 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 theESTO self-service www.esto.lv.

Spend when you want

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.

Buy when needed

Withdrawal to your personal bank account takes 1 business day. If your withdrawal does not reach your bank account within 1 day, 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.

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