Our small loan is an unsecured online loan that you can use for various everyday or unforeseen expenses. A small loan covers household appliances and similar needs. The loan is repaid in fixed monthly installments according to a payment schedule.
‍
ESTO also offers several loan options designed with all the latest terms in mind. For example, a home renovation loan stands out with flexible terms, making it an ideal choice for those who have planned a home upgrade. In our view, it is crucial to choose the right type of loan, as the wrong choice can cost more in interest, create unnecessary financial stress, or limit flexibility, whereas the right choice will help you manage debt responsibly, save money, and achieve your financial goals more effectively.

There is no single answer to this question. After you complete the application, it will be processed quickly, and we will offer the maximum possible small-loan amount. You can see your small-loan amount and other terms already while filling out the application.

Already while you are filling out the application, you can see the estimated monthly repayment and get an overview of the terms.

Fill out the application by choosing the amount and term, then provide your personal and financial information. Your application will be processed immediately. It’s convenient and fast, but processing time depends on the loan type; it can even take just a few minutes!

Funds will be transferred immediately in most cases, but in any case the small loan should reach your bank account in less than 3 business days.

We will send one monthly invoice for all ESTO agreements.

If the repayment date is approaching and it becomes clear that you are having trouble making the payment on time, contact ESTO customer support by email immediately. If possible, we can offer to extend the loan term, thereby reducing the monthly payment.

Of course! All you need to do is log in to your account, where you can repay the loan amount in full without waiting for the due date.

All exact costs and fees can be seen in the payment schedule; additional information is provided by the small-loan calculator. All of this up-to-date information is provided before the contract is concluded. The annual interest rate is fixed for one year. Depending on the type and amount of the consumer loan, a monthly administration fee and a contract fee also apply.

A small loan is a consumer loan in which a lump-sum amount is transferred to your bank account. The money is transferred in one payment, and you repay it over a set period. This type of loan is a better choice if you prefer fixed payments with a predictable repayment term — for example, if you need money for a specific purchase, such as buying household appliances.
‍
In contrast, with an ESTO credit line you can withdraw the amount you need whenever you want. A credit line is a better choice if you need flexible access to money over a longer period or want to borrow only what you need at a given moment — for example, when you have variable expenses.