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
Quick and easy signup
Instant money transfer*
If the feature is available to you
No management and contract fees
First 30 days 0% interest*
Valid only for new customers from the contract signing date
With ESTO’s credit line you pay interest only for the amount in use with a flexible repayment schedule.
Choose the desired amount of money and send application
Decision for your credit application takes just minutes
Use Instant Withdrawal to get your money in seconds
customers already trust us
Signed loan contracts
Estonians use ESTO Credit line daily
Purchases financed by ESTO
Liked their customer service via the live-chat! Their credit line is not cheap, but is a good safety pillow to have
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!
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 ;-)
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
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.
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
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:
The withdrawal amount is transferred to your bank account. To make a money transfer just log in to the ESTO self-service www.esto.eu.
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.
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.
You can check your Credit line contract by logging into our self-service at www.esto.eu. You can download the contract from the “loan agreements” section.
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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