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
ESTO loan — why choose it?
This loan offered by ESTO can be used for everyday purchases or to cover unforeseen expenses. It also suits larger, carefully planned expenses — for example, if you plan to buy new household appliances or want leisure activities. Fill out the application now — it only takes a few minutes!
Interested in a loan: how do I apply?
No paperwork — complete the application electronically in the ESTO portal. The process takes just a few minutes. To start, specify the loan amount you want, the repayment period, and provide certain personal and financial information. Submitting the request takes only a minute, and you won’t have to wait long for the loan offer.
Can I expect a loan if I am unemployed?
The main criteria before concluding a loan agreement are having a regular source of income in Lithuania, no active payment arrears, and compliance with financial obligations. Therefore, in certain cases a loan for unemployed applicants may be granted, but if anything is unclear, it’s best to consult an ESTO advisor.
How quickly will the loan amount reach me?
Once the decision is made and the loan amount is calculated, we will transfer the money to your account immediately.
What loan amount will I get?
With an ESTO loan everything is convenient — no guesswork, everything online. The loan calculator you’ll see while filling in the application will help you understand what loan you can get. Submit the application and, after we assess the circumstances, we’ll provide a loan offer with the maximum possible amount. It will be transferred to your account within a few days.
How does loan repayment work?
Once the agreement is concluded, you will have a specific monthly installment. It must be paid according to the payment schedule provided before signing the agreement.
Can I repay my loan early?
Yes, of course! If you can, you may repay the remaining loan amount early, without waiting for the due date.
What is the annual percentage rate (APR)?
You can find answers to such questions even before signing the agreement. All exact costs and fees — for example, the monthly installment and annual interest rate — will be indicated in the payment schedule, and additional information can be provided by the loan calculator. All this important information is provided before you sign.
This loan doesn’t seem to fit me. Is there a home‑renovation loan?
Yes — it’s not without reason that almost a million people use ESTO! We have different types of loans. Naturally, if you want a renovation loan or a car loan, you’ll be looking for different terms than when borrowing for smaller expenses. So take your time, look around, and choose the loan offer that suits you best. And no matter which offer you choose — with ESTO everything is always simple and fast, and all loan applications can be completed online without any paperwork.
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.













