Personal credit line

ESTO Credit Line is an overdraft facility for an unspecified term. The sum of credit repayment is voluntary, obligatory is for the customer to pay only a minimum monthly installment, which is 1/36 of the credit amount taken plus monthly interest.

The 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 Credit line to your personal bank account. Account activation and contract signing are absolutely free, and you can use your credit line right after the agreement is signed. As a client, you do not have any obligations to ESTO if you have just an opened credit line. Obligations to ESTO start when you start utilizing the credit line - withdraw the credit money from the credit line to your personal bank account.

You can make withdrawals from your 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 www.esto.eu.

The Credit line conditions are personal, vary from customer to customer, and the system takes into account different factors 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. If you have already signed the Credit line, you will be able to view your terms and conditions by logging into ESTO self-service.

Withdrawal to your personal bank account takes 1 business day. If your withdrawal does not reach your bank account within 1 day, 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.

When withdrawing money from your ESTO credit line, there is a fixed withdrawal commission which is also stated in your credit line agreement. The withdrawal fee is deducted directly from the withdrawal amount. If it is an instant withdrawal, the instant withdrawal fee is added to the next monthly invoice.