Consumer loan online

  • Safe and reliable
  • Apply in 1 minute
  • Instant loan decision
  • Flexible repayment

Loan amount

200 10000

Loan period

6 months 72 months

Monthly payment

35.91 €
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Lending made simple

Find the loan that suits your needs and apply. Your application gets answered immediately.

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Fast Loan
Small Loan
Renovation Loan
Vehicle Loan
Loan purpose
Property improvement
Purchase of vehicle
100 - 500 €
500 - 10 000 €
3000 - 15 000 €
3 000 - 15 000 €
1 - 6 months
6 - 72 months
6 - 72 months
6 - 72 months
Special conditions
No contract fee
+ 1400 €

How to apply for a loan in 3 steps

Over 400 000 people trust ESTO as their lender

  • Fill the loan application

    Choose a loan and apply. Filling the application takes only a minute and does not require signing a contract.

  • Sign the contract

    Your application will be reviewed and the decision will be made in real-time. Review the terms, then sign with a click of a button.

  • Receive money

    Once you have signed the contract we will transfer the money to your chosen bank account within one business day.

  • Manage your contracts

    Log into the ESTO Customer Profile to manage your contracts, contact support and more.

Frequently asked questions

  • How to apply?

    Applying for a loan is easy and takes less than a minute! Simply choose the amount, click apply and you will be directed to the application form. Use your preferred identification method, fill in the form and get the answer to your application right away.

  • How quickly will I receive money?

    Once you sign the loan contract, you will receive the requested loan amount to your personal bank account within one business day.

  • What amount of loan can I get?

    We will evaluate your loan application and offer you the highest possible loan amount. The maximum amount is 15 000 € depending on the consumer loan.

  • How does repayment work?

    You will receive a monthly invoice to your email which can be paid through a variety of methods. Early repayments are made from the Customer Profile by viewing your loan, choosing Pay and then Repay total sum. You can also set up standing payments and never miss a payment.

  • What’s the difference between a loan and credit line?

    A loan and a credit line are both methods of borrowing money, but they operate in slightly different ways. With a credit line, you have access to a specific credit limit, which represents the maximum amount of money you can borrow whenever you need it. You can withdraw money from your credit line in any amount and only pay interest on the withdrawn funds. You have the flexibility to repay the borrowed amount in parts or in full.

    On the other hand, a loan is a one-time lump sum of money that is transferred directly to your personal bank account. When you apply for a loan, you choose a fixed repayment schedule and a specific period of time to pay it back. You will make regular loan repayments, including interest, based on this predetermined schedule until the loan is fully paid off.

    Read more about Credit Line
More answers on our Support page