Your next ride, without the waitYour next ride, without the wait

Vehicle loan

Your next ride, without the wait
3000
36
months
Monthly payment
100
This is an approximate monthly payment and may differ from your offer.
Apply

Limited Offer! No signing offer.

Apply now!

Limited Offer! No signing offer.

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.

Your ride, your terms.

Simple terms, fast approval, no down payment. Start the engine.
Apply
ESTO car loan for purchasing a high-quality car

Is it time to buy a car? Apply for a car loan and enjoy flexible payments and competitive rates. Don't wait, fill out the application now – take the first step towards your new vehicle right away!

Choose the amount, set your schedule, and get the funds straight to your account. Application takes just a minute, and you’ll get a decision right away.


No paperwork. No waiting.

Nearly 1 million

people use ESTO

Get your account now
About ESTO loans

Frequent questions

ESTO car loan – why is it worth it?
Our car loan is an unsecured loan that you can use to buy your new car. A car loan is definitely worth considering, as this loan allows you to purchase a high-quality vehicle without spending all your savings. By spreading the costs over predictable monthly payments, you can choose a car that suits your needs and budget.

To get a loan, fill out an application online (it only takes a minute!), submit your personal and financial information, and your application will be processed immediately. The exact processing time depends on the situation, but it can take as little as a few minutes.
How quickly will I receive my car loan?
The car loan amount will be transferred immediately in most cases, but you will always receive the money in your account within 3 business days after signing the contract.

Will I be granted a loan to buy a car if I have debts?

Having debts does not automatically prevent you from obtaining credit, but they may influence the decision. In order to obtain any consumer credit, information such as regular income, credit history, and total debt-to-income ratio allows us to determine whether you can make another monthly payment. If your debts are manageable and you pay them on time, you may still be eligible for a car loan.

Is there a contract processing fee for a car loan?
You can find out about credit costs and fees in the payment schedule, and additional information is also provided by the car loan calculator. All this relevant information is provided before the contract is signed.
How does car loan repayment work?
We will send you one monthly invoice for all ESTO contracts.
Is it possible to repay a car loan early?
Yes, you don't have to wait for the repayment date. You can also repay your car loan early.
It looks like my monthly payment will be late. What should I do?
If you have problems making timely car loan repayments, please contact ESTO customer support immediately by email. This will allow us to work with you to find a suitable solution. If possible, we will offer to extend the loan repayment term, thereby reducing your monthly payments. It is also possible to apply for a payment holiday of up to three months.

Is there a loan option for car repairs?

If you buy a used car and are a little worried about future repairs, don't worry! ESTO offers a wide range of loan options. For example, a fast loan is suitable for cases where a minor accident has occurred and repairs must be paid for immediately.

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More ways to make it happen

Customer favorite

Credit line

Up to 10000 €
|
Renewing limit
|
No fixed period

Small Loan

Up to 10000 €
|
Up to 120 months

Fast loan

Up to 500 €
|
Up to 12 months

Renovation loan

Up to 10000 €
|
Up to 120 months

Beauty loan

Up to 10000 €
|
Up to 120 months

Travel loan

Up to 10000 €
|
Up to 120 months

Health loan

Up to 10000 €
|
Up to 120 months
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.