How to finance your next car and what else you can get with ESTO's help
Buying a car is one of the bigger financial decisions most people make. And in Lithuania, where public transport doesn't always reach every corner, having your own vehicle isn't a luxury — it's a necessity.
The problem? Upfront costs. Dealers expect a down payment, banks demand a stack of documents, and the whole process can drag on for days before you even find out whether you're approved.
ESTO's car loan works differently.
A fast decision, no waiting around
ESTO's car loan is a purpose-built small loan for buying a car, motorcycle, quad bike, boat, or any other vehicle. Filling out the application takes about a minute. You get a decision in real time — no waiting for a call back from a bank manager.
Once your application is approved, the funds go straight to your bank account. The vehicle is yours right away, with no extra strings attached.
No down payment. No mandatory comprehensive insurance.
The two biggest hurdles in financing a car simply disappear.
Dropping the down payment requirement means you don't need savings sitting in an account just to take the next step. Since ESTO's car loan doesn't require collateral, you don't have to insure the car with comprehensive coverage just to get financing. The vehicle is yours from day one, with no extra obligations attached.
Annual interest starts at 9.9% (depending on your credit history), and you can spread your installments over whatever term fits your budget best.
Available in Lithuania
Lithuanian citizens can apply online in minutes — the same fast processing and the same clear terms. If your financial circumstances change and you need more flexibility later, you can convert your loan into a credit line to lower your monthly payments.
Not just for cars
The car loan is ESTO's flagship vehicle financing product, but it's far from the only loan on our list.
Planning a home renovation? There's a renovation loan for that. Covering dental, surgical, or other health procedure costs? A health loan will help cover those expenses so you can focus on getting better. Going on a trip? A travel loan covers the cost of your travel package upfront. And if you want to invest in yourself, we also offer loans for beauty treatments.
Every loan is built for a specific stage of life, with the same fast, fully digital application process throughout. No customer service desks. No paperwork. Just a quick online application and a real-time answer.
How to apply
The process is simple:
1. Submit your application — choose your loan amount and term, and enter your details. It takes about a minute.
2. Get a decision - ESTO evaluates your application in real time and gives you a personal offer.
3. Get your funds - sign the contract digitally, and the money lands in your account.
Ready to get moving? Apply for an ESTO car loan in Lithuania and get behind the wheel faster than you thought possible.