You deserve a little extraYou deserve a little extra

Beauty loan

You deserve a little extra
2000
36
months
Monthly payment
100
This is an approximate monthly payment and may differ from your offer.
Apply

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.

Treat yourself now, pay later.

Treatments, products, and more. Get them now, pay comfortably over time.
Apply
ESTO beauty loan – for procedures you don't want to put off.

Nowadays, there are so many ways to gain self-confidence! The solution is simple – take out a beauty loan from ESTO and get all the necessary procedures done in the near future!

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

What is a beauty loan?
A beauty loan is an unsecured consumer loan that allows you to undergo a wide variety of beauty treatments. A beauty loan makes it easier to plan your expenses and enjoy a more beautiful appearance without delay.
How to apply for a loan for cosmetic procedures?
You can apply for a loan online, right on the ESTO portal. The whole thing takes just a couple of minutes. To get started, pick the loan amount and term, and give us some personal and financial info. It takes just a minute to submit your application, and we'll review it right away.
What beauty services can I purchase?
The money received can be used for a wide range of aesthetic procedures, such as laser treatments, chemical peels, advanced hair restoration, laser hair removal, dental aesthetics, and so on.

If medical services are relevant to your health, we invite you to learn more about our health credit!
What criteria are used to decide whether or not to grant credit for cosmetic procedures?
The main criteria you must meet before signing a contract with ESTO are having a regular source of income in Lithuania, no outstanding debts, and meeting your financial obligations.
Can I get a loan if I am unemployed?
A certain consumer loan may be granted to unemployed persons, but in case of uncertainty, it is best to consult with an ESTO consultant.
Is the beauty credit transferred directly to the service providers?
No. The beauty credit is transferred to your account. The money should reach your bank account within a few business days.
How much beauty credit can I get?
The calculator you will see when submitting your application will help you get your bearings. Once we have assessed your application and whether you meet our conditions, you will receive an offer for the maximum possible amount.
What is the annual percentage rate of consumer credit?
All exact costs and fees are specified in the payment schedule. All important information is provided before signing the contract. The interest rate on the loan is usually fixed for one year. A monthly administration fee may apply.
How does the repayment of a beauty loan work?
We will send you one invoice per month for all ESTO contracts. The amount due can also be transferred before the payment deadline by logging into your ESTO account.
Take out a beauty loan or use a credit line?
If you already know which services are relevant to you at the moment, take out a beauty loan. However, if you like to pamper yourself and value flexibility, a credit line may be a more favorable option for you. Unlike a beauty loan, which is a fixed amount, a credit line agreement allows you to borrow funds as needed and pay interest only on what you borrow. But we have some good news – even if you decide to go for a beauty loan now, you can switch to a credit line offer later. This way, you'll pay lower installments!

More ways to make it happen

Customer favorite

Credit line

Up to 6 000 €
|
Renewing limit
|
Up to 36 months

Loan

Up to 10 000 €
|
Up to 120 months

Small loan

Up to 500 €
|
Up to 12 months

Vehicle loan

Up to 15 000 €
|
Up to 120 months

Renovation loan

Up to 15 000 €
|
Up to 120 months

Travel loan

Up to 10 000 €
|
Up to 120 months

Health loan

Up to 10 000 €
|
Up to 120 months

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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.