Our fast loan is an unsecured online loan you can use for various everyday or unforeseen expenses. A fast loan is suitable for covering urgent or unexpected costs when money is needed quickly. This loan is designed to provide rapid access to funds. That’s why ESTO lets you apply right here on our website. The loan is approved within minutes, and the money is transferred quickly, helping to address short‑term financial needs.

Start by choosing the amount and term, then submit your personal and financial information. Your application will be processed immediately. Applying takes just a minute, and processing can take only a few minutes!

The money will be transferred immediately in most cases, but it can sometimes take a couple of business days.

We will assess your application and offer the maximum possible amount. Depending on the loan type, the maximum amount can be up to EUR 15,000.

A fast loan is the best solution when you urgently need money to cover short‑term or unexpected expenses, such as emergency car repairs, medical bills, or rent while waiting for your next paycheck.
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That’s why ESTO offers a range of unsecured consumer loans for different purposes, taking the latest terms into account. For example, if it’s time to buy a new car, our car loan is designed for that. By contrast, a home‑renovation loan often comes with flexible terms, making it an ideal choice for those planning to refurbish their home.

The exact terms and conditions for each type of consumer loan are provided right here on our website. They can be found below the loan calculator.

We will send you one monthly invoice for all ESTO agreements. You can also transfer the payable amount before the due date by logging in to your ESTO account.

If the due date is approaching and it’s becoming clear that you’re having trouble making the payment on time, contact ESTO customer support by email immediately. This way you can work with us to find an appropriate solution. If possible, we will offer to extend the loan term, thereby reducing the monthly payment. You can also apply for payment holidays of up to three months.

All exact costs and fees can be seen in the payment schedule; additional information is provided by the loan calculator. All this up‑to‑date information is provided before the contract is concluded.
Depending on the type and amount of the consumer loan, a monthly administration fee also applies.

A fast loan is a one‑time transfer to your bank account. That means we pay out the entire loan at once, and you repay it over a set period. If you find this situation occurs quite often, a consumer loan in general may not be the best option. In that case, it’s worth considering a credit line. With an ESTO credit line, you can withdraw the amount you need whenever you want.
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If you need flexible access to funds over a longer period and want to borrow only the amount you will actually use, a credit line is truly the best type of loan.