Care that fits your budgetCare that fits your budget

Health loan

Care that fits your budget
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.

Because health can’t wait.

From dental care to physiotherapy, split the cost into affordable payments.
Apply
You can cover your healthcare costs with ESTO right now!

Health problems never wait for the right moment – toothache strikes at the most inconvenient times, and worrying allergies appear at the strangest moments. Never put off your health! Like all consumer loans, a loan for medical expenses will give you some breathing space.

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

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About ESTO loans

Frequent questions

How does a loan for medical expenses work?

A medical loan is an unsecured loan that allows you to cover your medical expenses immediately. Dental treatment, comprehensive blood tests not covered by the state, or expert opinions from private clinics – we cover all medical procedures necessary to improve your quality of life. This loan amount is specifically intended for treatment, but if you are interested in wellness or cosmetic surgery services, we suggest you also consider a beauty loan.

How to obtain a health loan?
To obtain a loan to cover medical expenses, submit your application electronically. That's right – you don't need to call or go anywhere. The process is extremely simple and fast. Everything is right here on the ESTO portal. To get started, select the amount and term you are interested in and submit the requested personal and financial information. Submitting your application will take just a minute, and your application will be reviewed immediately.
Is credit for medical expenses more expensive than other types of credit?
Not at all! We determine the amount and terms based on your financial situation, such as whether you have any outstanding debts and whether you meet your financial obligations.
How soon will I receive the money for treatment?
The money will be in your bank account immediately in most cases, but no longer than within 3 business days.
Is it possible to predict how much I will receive for my medical services?
Of course, when it comes to medical expenses, you always want to plan as much as possible. That's why our website has a calculator that you can use before submitting your application. It will help you figure out how much funding you can expect to cover your medical expenses. Once we have assessed whether you meet our conditions, you will receive an offer for the maximum possible amount.
What should I know about repayment? Can I repay early?
When you sign the contract, it'll say when you need to pay it back and all the details, like how much you need to pay each month and stuff like that. Your monthly payment will depend on your situation. We'll send you one bill each month for all your ESTO contracts. And yes, of course, it is possible to repay early! In any case, all you need to do is log in to your ESTO account.
What is the annual percentage rate of charge?
All exact costs and fees can be seen in the payment schedule, and additional information is provided by the consumer credit calculator. All this relevant information is provided before the contract is signed. The consumer credit interest rate is fixed for one year.
Depending on the type and amount of consumer credit, a monthly management fee may also apply. If you apply for an ESTO small loan, there is no contract fee.

Long-term treatment is expected. Will the loan cover all medical services?

You only need to borrow as much as is necessary for your treatment (therapeutic procedures, subsequent rehabilitation), and use the borrowed money for your treatment, i.e., for all medical services that are relevant to you. If necessary, you can convert your loan into a credit line, which will reduce your payments.

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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.