For the stuff you don’t plan for
Loans of all shapes and sizes
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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 a consumer loan and why ESTO?
A consumer loan is an unsecured loan that can be used to cover various everyday or unexpected expenses. You can use it, for example, for repairs, purchasing a new vehicle, a new or used car, traveling, or other needs. The monthly payment for a consumer loan must be transferred according to the payment schedule specified before the conclusion of the contract.
ESTO offers various unsecured consumer loans that can be used for various purposes. You just need to choose the consumer loan offer that suits you best. These four are the most popular.
1) Consumer loan for urgent expenses
This consumer loan is suitable for cases when minor, urgent expenses arise and you need to make a decision about the loan very quickly.
2) Small loan for everyday purchases or unexpected expenses
A small loan is a general consumer loan. This type of consumer loan can be used for everyday purchases or to cover unexpected expenses. It is suitable for larger, carefully planned expenses, for example, if you are planning to buy new household appliances, want entertainment or education.
3) Renovation loan: the ideal option for home renovation
A renovation loan is used to cover the costs of home renovation and repair. Home renovation loans often offer very favorable and flexible terms.
4) Car loan
The loan amount allows you to purchase a new or used car.
The exact terms and conditions of consumer loans are available on the ESTO website.
ESTO offers various unsecured consumer loans that can be used for various purposes. You just need to choose the consumer loan offer that suits you best. These four are the most popular.
1) Consumer loan for urgent expenses
This consumer loan is suitable for cases when minor, urgent expenses arise and you need to make a decision about the loan very quickly.
2) Small loan for everyday purchases or unexpected expenses
A small loan is a general consumer loan. This type of consumer loan can be used for everyday purchases or to cover unexpected expenses. It is suitable for larger, carefully planned expenses, for example, if you are planning to buy new household appliances, want entertainment or education.
3) Renovation loan: the ideal option for home renovation
A renovation loan is used to cover the costs of home renovation and repair. Home renovation loans often offer very favorable and flexible terms.
4) Car loan
The loan amount allows you to purchase a new or used car.
The exact terms and conditions of consumer loans are available on the ESTO website.
I am unemployed. Can I get a consumer loan?
The main criteria you must meet before signing a consumer loan agreement with ESTO are having a regular source of income in Lithuania, no outstanding debts, and meeting your financial obligations. Therefore, certain consumer loans may be granted to unemployed persons, but it is best to consult with an ESTO consultant if you have any questions.
Interested in a consumer loan: how to apply?
Consumer loan applications are submitted electronically. The process is extremely fast. Submit your consumer loan application on the ESTO portal. To get started, select the loan amount and term and provide some personal and financial information. Submitting your application will take just a minute, and your application will be reviewed immediately.
How soon will I receive the loan amount?
The money will be in your bank account in just 3 business days. If you are in a hurry, you can get your loan immediately by paying an additional fee.
How much of a consumer loan can I get?
The consumer loan calculator, which you will see when you submit your application, will help you figure out how much of a consumer loan you will be eligible for. After evaluating your application and whether you meet our consumer loan conditions, you will receive a loan offer with the maximum possible amount. In general, a consumer loan of up to EUR 15,000 can be granted, but this may vary depending on the nature of your loan.
How does consumer loan repayment work?
Loans are typically granted for a period of up to 48 months. After signing an ESTO agreement, regardless of its nature, we will send you a single monthly invoice specifying your monthly payment. You can also make separate advance payments at any time convenient for you by logging into your ESTO account.
If there is still time before the loan repayment date, but you have the opportunity to pay now, that's great. All you need to do is log in to the system and add the repayment amount to the final balance displayed by the system.
If there is still time before the loan repayment date, but you have the opportunity to pay now, that's great. All you need to do is log in to the system and add the repayment amount to the final balance displayed by the system.
What fees apply when taking out a consumer loan?
When taking out an ESTO consumer loan, standard fees apply: cash withdrawal fee, monthly administration fee. The amount and terms of the fees may depend on the amount and type of credit. The terms may vary depending on the amount, contract term, or the results of your credit assessment.
Should you take out a consumer loan or use a credit line?
A loan is a one-time transfer to your bank account. We pay you the entire loan amount at once, and you repay it over a set period of time. An ESTO credit line gives you more flexibility. You withdraw the amount you need when you want it. Payments depend on the amount of credit used, not on the total credit limit. The repayment amount decreases accordingly each month. In addition, part of the credit repayment is added to your credit amount, which you can use at any time.
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