Health loan

You can use a health loan to cover the costs of medically necessary procedures, such as diagnostic tests, hospital treatment, specialist consultations, or doctor-recommended surgeries. A health loan can also cover the initial costs of clinically necessary dental procedures, including tooth extraction, root canal treatment, etc.
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We lend you the money you need, you receive the necessary medical care, and then you repay it according to the terms we have agreed upon.
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If you need money for elective aesthetic or cosmetic services, you may be interested in our beauty loan.

Everything happens here, on the ESTO website! The process is very simple and doesn't take much time. Select the amount and period, then submit your personal and financial information. Our calculator, available on the website, will help you determine the expected loan amount.Your application will be processed immediately. The processing time depends on the type of loan, but it can take as little as a few minutes!

Once your application has been assessed, we can offer you the maximum possible amount.

Sometimes you can get a consumer loan on the same day, but most likely the amount of money you've been granted will be transferred within less than 3 business days. For example, if you have an appointment at the dentist, you don't have to worry about it.

No, a health loan will not affect your future loans in any way, as long as you agree to comply with the terms and conditions that will be presented to you before signing the contract.

In addition, we always want to find the most suitable solution for all our customers. If the repayment date for your medical loan is approaching and it is becoming increasingly clear that you will have problems making the repayment on time, please contact ESTO customer support immediately by email. If possible, we will offer to extend the loan repayment term, thereby reducing your monthly payment. It is also possible to apply for a payment holiday of up to three months.

All exact costs and fees can be seen in the payment schedule, and additional information is provided by the consumer credit calculator. All this relevant information is provided before the contract is signed. The consumer credit interest rate is fixed for one year.

Depending on the type and amount of consumer credit, a monthly management fee may also apply. If you apply for an ESTO small loan, there is no contract fee.

You can repay your loan for medical services in installments. We will send you one monthly invoice for all ESTO contracts. You can also transfer the amount payable before the due date by simply logging into your ESTO account. The repayment term depends on your situation – be sure to read the contract carefully.

Your personal medical data is not stored or distributed. Any information that may be necessary for reimbursement is processed securely and in accordance with standard privacy practices.

If you already have an ESTO consumer loan for medical services, but it becomes clear over time that this loan may not be enough, don't worry! We offer the option of converting any of our loans into a credit line with smaller payments.