Credit line
Ready when you are
Withdraw limit
First monthly payment
100
€
Your first monthly payment is based on 1/60 of your total loan amount plus accrued interest. As you make monthly payments, the remaining principal and interest will decrease dynamically. For an exact monthly payment, please apply. You will only pay for the credit you use and have the option to repay the loan early.
Click to see example calculation
Limited Offer! Apply now and make withdrawals for the first 30 days with 0% interest.
No signing fee!
Limited Offer! Apply now and make withdrawals for the first 30 days with 0% interest.
No withdrawal = no cost
You only pay for the amounts you withdraw
Decreasing payments
Each withdrawal’s monthly payments decrease
Renewing limit
Part of your repayment goes back towards your usable limit
No signing fee
Getting started is free
Fast application
It takes just a minute to apply, get a reply in real-time
Affordable interest
Starting from 9.9% when making your first withdrawal
No fixed period
Unlimited repayment period allows smaller payments
It's easy as 1, 2, 3
1
Apply
Choose a limit, then fill in your contact info and some financial details. It takes just a minute.
2
Receive offer
We’ll review your application in real time and send you a personalized offer.
3
Done
Just sign the contract and withdraw funds until your limit is full. No withdrawal = no cost.
About credit line
Frequent questions
What is a credit line?
A credit line is a type of short-term credit whereby, in accordance with the terms of the agreement, the customer is granted a loan in an amount not exceeding a specified credit limit, without having to conclude a separate agreement in each case. The set credit limit is the maximum amount that the customer can owe. When using our ESTO credit line, you only pay interest on the amount used, which is transferred to your bank account. You can use our credit line whenever you need money. It doesn't matter what the purpose is – whether it's unexpected expenses or even purchases on credit. It all depends on your needs!
How to apply?
Start by choosing a credit line limit, then provide some personal and financial information. Your application will be processed right away. It takes just a minute to apply!
What if I sign a credit line but don’t use it?
No withdrawals? No charges. You’re only invoiced for the amount you withdraw.
How to withdraw money?
After signing your contract, withdraw any amount up to your limit via your ESTO account. The funds will be sent straight to your bank account.
How does repayment work?
We’ll send you a single monthly invoice for all withdrawals. A portion of your repayment restores your credit line, and you’ll only pay interest on the withdrawn amount. Plus, your monthly payment gets smaller over time.
How long is the payment term?
No fixed term. Cover at least the minimum amount each month or pay off more when it suits you. Keep going until your balance is fully paid.
How can I find out my credit limit?
No additional action is required – we will determine your credit limit after you register!
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How monthly payment is calculated
Withdrawal amount
1 100 €
Withdrawal fee
3.50 %
Contract signing fee
0 €
Monthly management fee
7.45 €
Interest
29.90 %
Annual interest rate (APR)*
50.77 %
Total amount payable
1420.94 €
* 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.