Financethat slidesyour way.
- 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 Part of repayments go back towards your available limit.
- No fixed term Pay the minimum each month until you’re done.
Consumer loans
Big plans? There's a loan for it.
One application, one fixed monthly payment — whatever the plan. Pick a loan, set the amount and period, and see your monthly payment before you apply.
Renovation loan
3 000 €
36 months
Monthly payment —
Indicative. Apply for an accurate offer.
Vehicle loan
3 000 €
36 months
Monthly payment —
Indicative. Apply for an accurate offer.
Income insurance
Up to 3 000 € over 6 months.
- Fast coverage Get started in less than a minute.
- Trusted partner Partnering with Seesam, trusted in Estonia for over 30 years.
- Cancel anytime Coverage stays valid until current billing period.
Buy now, pay later.
Thousands of stores offer ESTO payment methods.
Pay in 30 days. No interest, no fees. 
Pay in three. Three equal monthly payments, starting next month. No fees. 
Pay whenever. Up to 60 months, starting next month. 0 € contract fee. Brands you already shop with.
Find ESTO payment options in over 11 000 businesses. Online and in-store.
Who can apply for our services?
- At least 18 years old
- Resident of Estonia
- Regular, verifiable income
- Official ID for verification
Good to know
- The decision takes about 30 seconds. Your income and existing obligations set the limit.
- Early repayment is always free — no penalties, on any product.
- Declined? The FAQ explains the most common reasons and when to try again.
Get the best offers before everyone else
- Campaign offers
- Exclusive merchant deals
- Product launches & updates
- Giveaways & social highlights
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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. Income insurance Up to 3 000 € over 6 months if your paycheck stops. Buy now, pay later Pay Later, ESTO 3 and hire purchase — at thousands of stores.
4,7
What customers say.
Excellent service. I’ve used them several times, and each time I’ve had an exceptionally positive experience. Of all the companies that offered installment plans, I think they offer the most flexible and favorable terms, including an interest-free installment plan. I highly recommend them.
Excellent customer support! I was pleased to see no endless wait times or back-and-forth between departments. The specialist was very polite and answered all my questions competently. It’s a pleasure dealing with professionals. 5 stars!
I urgently needed to buy bedroom furniture, but after renovating my apartment, I didn’t have the funds. Friends suggested I use ESTO for payment in installments. I’m glad the issue was resolved quickly and without delays. It was very convenient and, most importantly, without any additional fees.
Some reviews may be translated from their original language.