Limited Offer! No signing fee.
Apply now!
Limited Offer! No signing fee.
Fast application
It takes just a minute to apply, get a reply in real-time
Affordable interest
Loans starting from 9.9% depending on your credit capacity
No down payment
Get your money without paying anything upfront
Reduce payments
Convert your loan to credit line for smaller payments
It's easy as 1, 2, 3
1
Apply
Choose a loan, then fill in your contact info and some financial details. It takes just a minute.
2
Receive offer
We’ll review your application in real time and send you a personalized offer.
3
Receive money
Sign the contract and receive the funds straight to your bank account.
About ESTO loans
Frequent questions
What is ESTO travel loan?
A travel loan is an unsecured online consumer loan that you can use to cover travel costs such as flights, accommodation, transport, and activities. This loan lets you borrow a specific amount before your trip and repay it in fixed monthly installments, making it easier to manage travel expenses without using savings or a credit card.
Why is a travel loan better than a credit card?
Using a travel loan instead of a credit card can be a better choice because it usually offers a lower, fixed interest rate and a defined repayment term, which makes budgeting easier and helps avoid growing debt. Credit card interest rates are often higher.
I’m interested in a travel loan. How do I apply?
Fill out the application right here on the ESTO website! 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, but processing time depends on the specific case and can even take only a few minutes!
How much can I borrow?
It depends on your situation. We will assess your application and offer the maximum possible amount.
What should I know about the repayment term?
We will send you one monthly invoice for the travel loan. You can also transfer the payable amount before the due date by logging into your ESTO account.
If the repayment date is approaching and it becomes 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 a suitable solution. If possible, we will offer to extend the loan term, thereby reducing the monthly payment. You can also apply for a payment holiday of up to three months.
If the repayment date is approaching and it becomes 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 a suitable solution. If possible, we will offer to extend the loan term, thereby reducing the monthly payment. You can also apply for a payment holiday of up to three months.
What other consumer loans are available at ESTO?
Interested in other ESTO loans? Great!
ESTO offers various unsecured consumer loans that you can use for different purposes, taking into account the latest terms. For example, if it’s time to buy a new car, our car loan is designed for that. In contrast, a credit line is a good choice if you need flexible access to money over a longer period and want to borrow only what you need at the moment. If you need money to cover urgent, smaller financial needs, choose an instant loan.
Exact terms and conditions for consumer loans are provided on the ESTO website. Take a look to choose the one best suited to your needs!
ESTO offers various unsecured consumer loans that you can use for different purposes, taking into account the latest terms. For example, if it’s time to buy a new car, our car loan is designed for that. In contrast, a credit line is a good choice if you need flexible access to money over a longer period and want to borrow only what you need at the moment. If you need money to cover urgent, smaller financial needs, choose an instant loan.
Exact terms and conditions for consumer loans are provided on the ESTO website. Take a look to choose the one best suited to your needs!
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How monthly payment is calculated
Loan amount
500 €
Period
12 months
Contract signing fee
0 €
Monthly management fee
2.90 €
Interest
7.90 %
Annual interest rate (APR)*
22.20 %
Total amount payable
556.44 €
Monthly payment
46.37 €
* APR (Annual Percentage Rate) is the percentage of the total cost of the loan, including loan interest, contract fee and other costs payable for granting the loan.