Personal credit line

Signing up for our credit line takes just a minute and money gets transferred to you in seconds. No paperwork, no fuss.

How it works

Choose the amount

500 4000
Enter an amount between 500 and 4000
Your first monthly payment is 500 €
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Credit line explained

How it works

With ESTO’s credit line you pay interest only for the amount in use with a flexible repayment schedule.

Activate credit limit

Choose the desired amount of money and send application

Get approved

Decision for your credit application takes just minutes

Receive money

Use Instant Withdrawal to get your money in seconds

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interest first 30 days
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Why choose ESTO
520 000 +

customers already trust us

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550 000 +

Signed loan contracts

40 000 +

Estonians use ESTO Credit line daily

800 000 +

Purchases financed by ESTO

We strive to make Your day better

Google review

Liked their customer service via the live-chat! Their credit line is not cheap, but is a good safety pillow to have

Google review

Really good and fast service. Also if have issues with service they answer quickly and polite way and try to find solution fast as possible and keep you on track how things going on. Nothing else than positive to say about Esto! Highly recommended!

Google review

Fast and very businesslike service. All the questions were answered quickly, matter-of-factly and thoroughly, and based on all this, I dare to recommend and encourage you to try ;-)

Google review

Excellent service, worked several times, each time an exceptionally positive experience. Of all the companies that provided instalment plans, in my opinion, the most loyal and favourable conditions are interest-free instalment plans. I recommend

Google review

First time taking any sort of loan... It’s a stressful process and required income for a proper loan is high. But they were helpful and kind.

Frequently asked questions

What is ESTO Credit line, and why should I use it?

An ESTO credit line is an overdraft facility for an unspecified term. The credit repayment is voluntary and it is obligatory for the customer to pay only a minimum monthly installment, which is 1/60 of the credit taken plus monthly interest.

ESTO credit line is a perfect tool to cover your daily expenses. It is your personal open-ended credit limit. The credit can be used by transferring funds from your ESTO credit line to your bank account. Account activation and contract signing are absolutely free, and you can use your ESTO credit line right after the agreement is signed

How can I make a Credit line withdrawal?

You can make withdrawals from your ESTO Credit line up to your credit limit. The amount that you can withdraw is called available credit and it’s calculated as:

  • available credit = credit limit - unpaid (utilized) principal.

The withdrawal amount is transferred to your bank account. To make a money transfer just log in to the ESTO self-service

What are the terms and conditions of a Credit line?

ESTO Credit line conditions are personal, vary from customer to customer, and depend on a lot of factors the system takes into account during the scoring process. The terms and conditions that are offered to you are visible at the moment of signing the contract in the Credit line contract. If you have already signed the ESTO account settlement credit contract, you will be able to view your terms and conditions by logging into ESTO self-service.

How long does it take for Credit line withdrawal to arrive at my bank account?

Regular withdrawal to your personal bank account takes 1-3 days. If your withdrawal does not reach your bank account within 3 days, please contact customer support.

If you made the transfer on a Friday afternoon or weekend, the funds will be credited to your bank account on the first business day.

Where can I find the Credit line contract?

You can check your Credit line contract by logging into our self-service at You can download the contract from the “loan agreements” section.

Are there any fees for Credit line withdrawals and how are they deducted?

Starting 13.02.2023 ESTO regular withdrawal is FREE. If it is an instant withdrawal, the instant withdrawal fee is added to the next monthly invoice.

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