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.




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.
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.
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.













