Life doesn't waitLife doesn't wait

Small loan

Life doesn't wait
300
3
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.

Fast loan. Because life doesn’t wait.

Low interest, affordable payments. Simple terms, no down payment.
Apply
ESTO loans are perfect for things you didn’t plan — or don’t want to wait for.

A small loan is money you can borrow to cover minor living expenses. Whether it’s a new sofa, dental treatment, or maybe a travel loan is what you need right now — it’s flexible, fast, and tailored to your budget.

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

Get your account now
About ESTO loans

Frequent questions

What is a small loan?
Our small loan is a general consumer loan that lets you cover everyday purchases or unforeseen expenses. It’s useful for specific, one‑off costs when you know exactly how much you need — for example, when buying new furniture. It offers fixed installments and a clear repayment schedule, making it easier to plan your budget and keep finances in order.
Why borrow from ESTO?
ESTO lets you get a loan easily and quickly, and our terms depend on your situation and the loan type. Whether you need a small loan or a health‑care loan, you’ll find the option that suits you. You can apply online, and you’ll receive all relevant information — fees and term — before signing the agreement. Everything is simple, fast, and clear — that’s why our services are trusted across the Baltic countries.
How do I get a loan?
With ESTO, getting a loan is easier than easy. Fill out the loan application online in the ESTO portal — it takes just a few minutes. Choose the loan amount and term and provide certain personal and financial information. Submitting the request takes only a minute, and your application will be reviewed immediately.
How quickly will the money be transferred to my account?
Once the decision is made and the loan amount has been calculated, we will transfer the money to your account immediately.
What small loan amount will I receive?
When submitting the application you’ll see a calculator that helps you understand what loan amount you can expect. After we assess your application and whether you meet our consumer‑loan conditions, you will receive a loan offer with the maximum possible amount.

Of course, needs may vary depending on the situation. If you suspect that a small loan may not be sufficient for your case, check other ESTO loan types — for example, a consumer loan may offer a higher amount.
How does loan repayment work?
When the agreement is concluded, we will set the repayment term with a specific monthly installment, which must be paid according to the schedule.
Can I repay before the due date?
Yes. If you are able, you can repay your borrowed amount before the due date.
What is the annual percentage rate (APR) for the consumer loan?
All exact costs and fees — for example, the administration fee, interest, etc. — are indicated in the payment schedule, and general information is also provided in the calculator. All of this important information is provided before signing the agreement. Depending on the loan type and amount, a monthly administration fee may also apply.

Stay in the loop

Be first to know about ESTO-exclusive discounts, partner deals, and smarter ways to manage your money.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

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

More ways to make it happen

Customer favorite

Credit line

Up to 6 000 €
|
Renewing limit
|
Up to 36 months

Loan

Up to 10 000 €
|
Up to 120 months

Vehicle loan

Up to 15 000 €
|
Up to 120 months

Renovation loan

Up to 15 000 €
|
Up to 120 months

Beauty loan

Up to 10 000 €
|
Up to 120 months

Travel loan

Up to 10 000 €
|
Up to 120 months

Health loan

Up to 10 000 €
|
Up to 120 months
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.