Signing up for our credit line takes just a minute. Get approved credit limit and withdraw money you need, pay only for credit in use. No paperwork, no fuss.How it works
Quick and easy signup
Convenient credit line*
You can withdraw money from credit line anytime you need, within the approved credit limit, pay back in full or in parts and withdraw money again
No management 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 create an account
Decision for your credit application in real-time
Use Instant Withdrawal to get your money in seconds
customers already trust us
Latvians use our services daily
Annual purchases processed
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.
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 1/60 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 ESTO credit line to your personal bank account. Account activation and contract signing are absolutely free, and you can use your ESTO credit line right after the agreement is signed. As a client, you do not have any obligations to ESTO if you have just opened a 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 youcan 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 theESTO 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.
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 the Credit line, there is a fixed withdrawal commission which is also stated in the 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.
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Below is an example of how your monthly payment is calculated. Interest is determined individually.
* APR (Annual Percentage Rate) is the percentage of the total cost of the loan, including loan interest, contract fee and other costs payable for granting the loan.