Sign in Open account
First 30 days at 0 % interest — anything you draw in the first 30 days costs nothing in interest. Limited time offer.

Set your limit and withdraw anytime.

Credit line

Your credit limit 4 000 €
First monthly payment —
Apply How it works

The annual interest rate starts from 9.9%. The results are preliminary and may differ from the terms offered to you. The example is based on a 36-month period — submit an application to get your exact monthly payment. Pay only for the credit you use, with the option to repay early.

  • No withdrawal, no cost You only pay for the amount you actually draw.
  • Decreasing payments Each withdrawal's monthly payment shrinks over time.
  • Renewing limit Repayments flow straight back into your available limit.
  • No fixed term Pay the minimum, or clear it early — your call.

How it works.

Credit line sits quietly in your ESTO account. Withdraw any amount when you need it — unused limit costs nothing.

  1. 1
    Choose a limit and log in Pick the limit that fits your life — logging in is quick and secure.
  2. 2
    Finish the application Add your personal and financial details. No paperwork.
  3. 3
    Get a decision and sign A credit decision can take as little as 30 seconds. Sign the contract digitally and you're set.
  4. 4
    Withdraw anytime, repay monthly Part of your monthly payments go back towards your usable limit. Unused limit costs nothing.
Apply for credit line

Credit line FAQ

Quick answers to the most common credit line questions.

More answers
What does the credit line cost if I don't use it?

Nothing. There is no monthly fee, no contract fee and no charge for an unused limit. You pay interest only on the amounts you have actually withdrawn, for the time they are outstanding.

How does the renewing limit work?

Part of every monthly repayment is principal — and that part becomes available to withdraw again immediately. Your limit refills as you repay, without re-applying.

Why do the monthly payments decrease?

Each withdrawal is repaid in instalments where the principal share is fixed and the interest is calculated on the remaining balance. As the balance shrinks, so does each month's payment.

How fast is the money on my account?

Withdrawals are transferred to your bank account immediately — with most Lithuanian banks the money arrives within minutes, around the clock.

Can I repay everything early?

Yes, at any time and at no extra cost. Early repayment stops the interest on the repaid amount the same day.

Get the best offers before everyone else

  • Campaign offers
  • Exclusive merchant deals
  • Product launches & updates
  • Giveaways & social highlights
Thank you for joining our newsletter!

By subscribing you agree to our privacy policy and consent to receive updates from ESTO.

Nearly 1 million people use ESTO

There's something for everyone.

Credit line A renewing limit up to 10 000 € — withdraw anytime, pay for what you use. Small loan A flexible loan for everyday needs and unexpected costs — no collateral, no purpose questions. Fast loan Small money, fast decision, settled out of the next paycheck — for the bills that couldn't wait until payday. Renovation loan For home renovation and remodelling. Terms tailored to bigger projects, paid down over years not months. Vehicle loan A loan for a car, motorcycle, or any other vehicle — flexible terms, paid down monthly. Travel loan The trip you keep planning — booked, paid for, then settled comfortably across the months that follow. Health loan Dental work, treatment, the appointments that shouldn't wait — spread the cost across a year or more. Beauty loan Cosmetic procedures, treatments, and beauty packages — paid down in fixed monthly instalments. Buy now, pay later Pay Later, ESTO 3 and hire purchase — at thousands of stores.