Limited Offer! No signing fee.
Apply now!
Limited Offer! No signing fee.
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
Why choose ESTO credit for cosmetic procedures?
By choosing this unsecured loan online, you get a simple way to cover the costs of your procedures without delay. ESTO credit for cosmetic procedures stands out with its clear and simple process – you can apply online and don't have to wait long for approval. Once the loan is approved, you will have access to all the latest information, including monthly repayments, how they work, and clear terms and conditions, even before signing the contract. If you are planning a cosmetic procedure that requires additional money, this loan is a very useful solution. In addition, if you eventually find that a credit line and its flexible terms may be more advantageous in your case, you can easily convert your consumer credit for cosmetic procedures into one with smaller payments.
How do I apply for an ESTO loan for cosmetic procedures?
Select the amount and period and submit your personal and financial information. Processing time can take just a few minutes, but you don't have to pay anything up front!
What procedures can be covered by a beauty loan?
Laser hair removal, massage, various injections, other types of dermatology and other facial skin treatments... There are so many procedures available. And all of this is possible with our credit. Regardless of which procedure you are interested in, you can apply for an ESTO loan for cosmetic procedures and afford it right away. If you currently need support for dental treatment or phototherapy, you can also use our health loan.
Will I be granted a loan for cosmetic procedures if I have a bad credit history?
One of the most important criteria is the fulfillment of financial obligations, as well as the absence of outstanding payment obligations and regular income. If you have had several late payments, failed to fulfill your obligations, or have difficulties repaying your debts, there is a possibility that you will not be granted a loan. If you have any questions, our ESTO consultants will provide you with more information.
What do you need to know about the repayment period? What is the monthly repayment amount?
We will issue you with one monthly invoice, but you can also make your payment before the due date by simply logging into your ESTO account. The repayment term, as well as the loan amount and other loan terms, are assigned based on your individual circumstances.
What is the annual interest rate?
The annual interest rate is fixed. You will find all the latest information about the loan terms and conditions in the payment schedule, which is provided before the agreement is signed. In some cases, there may also be a monthly management fee or agreement signing fee.
What do you need to know about the repayment period? What is the monthly repayment amount?
We will issue you with one monthly invoice, but you can also make your payment before the due date by simply logging into your ESTO account. The repayment term, as well as the loan amount and other loan terms, are assigned based on your individual circumstances.

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.













