Big plans? There's a loan for it.
- Decision in real timeApplying takes a minute — the answer comes right away.
- Interest from 4.9 %Your rate depends on your credit capacity — see it before you sign.
- No down paymentGet the money without paying anything upfront.
- Smaller payments? Convert.Turn your loan into a credit line and pay less per month.
How it works.
The kitchen, the car, the move — whatever the plan, it's the same four steps from application to money in your account.
- 1Pick an amount and periodChoose the loan that fits and set the amount and period — the calculator shows the monthly payment live.
- 2Finish the applicationAdd your personal and financial details. No paperwork.
- 3Get a decision and signA credit decision can take as little as 30 seconds. Sign the contract digitally and you're set.
- 4Money on your accountOne transfer straight to your bank account — usually the same business day.
How fast do I get the money?
The application takes about two minutes with Smart-ID or Mobile-ID, the decision is automated, and after signing the money is usually on your account the same business day.
Do I need to say what the loan is for?
No. Our loans are freely usable — we don't ask for receipts or proof of purpose. Pick the amount and period, and the money is yours to direct.
What if I want to repay early?
You can repay part or all of the loan at any time without a penalty. Interest stops on the repaid amount immediately.
What affects my personal rate?
Your credit profile — income, existing obligations and payment history. The calculator shows a representative example; your personal offer is confirmed after the 30-second automated check.
What's the difference between a loan and a credit line?
A loan is one transfer up front, repaid over a fixed period. A credit line is a renewing limit — withdraw what you need, when you need it, and repayments free the limit up again.
Is there a contract or administration fee?
The representative examples state all fees for each product. ESTO never charges hidden fees — what you see in the contract is the full cost.
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Nearly 1 million people use ESTO