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Small money, settled fast.

Fast loan

300 €
3 mo
Monthly payment —

Indicative. Apply for an accurate offer.

How it works
  • Decision in real time Applying takes a minute — the answer comes right away.
  • Interest from 4.9 % Your rate depends on your credit capacity — see it before you sign.
  • No down payment Get the money without paying anything upfront.
  • Smaller payments? Convert. Turn your loan into a credit line and pay less per month.

How it works.

Small money, fast decision, settled out of the next paycheck — for the bills that couldn't wait until payday.

  1. 1
    Pick an amount and period Set the amount and period — the calculator shows the monthly payment live.
  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
    Money on your account One transfer straight to your bank account — usually the same business day.

Fast loan FAQ

Quick answers to the most common fast loan questions.

More answers
How fast do I get the money?

The application takes about two minutes with Smart-ID or Mobile-ID, the decision is automated, and after signing the money is usually on your account the same business day.

Do I need to say what the loan is for?

No. Our loans are freely usable — we don’t ask for receipts or proof of purpose. Pick the amount and period, and the money is yours to direct.

How much can I get?

The fast loan goes up to 1 000 €, repaid over 1–12 months. We review your application and offer the highest amount your finances comfortably allow.

What if I want to repay early?

You can repay part or all of the loan at any time without a penalty. Interest stops on the repaid amount immediately.

What affects my personal rate?

Your credit profile — income, existing obligations and payment history. The calculator shows a representative example; your personal offer is confirmed after the automated check.

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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.