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Frequent questions
I need money, but it seems a fast loan isn’t right for my situation
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.
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.
Depending on the type and amount of the consumer loan, a monthly administration fee also applies.
I need this kind of loan often... Should I consider a credit line?
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.
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.













