Find the suitable loan

Good to know

• Applying is simple and fast. The contract can be concluded in the Internet bank and the money will be deposited in your account after the contract is concluded.
• Thanks to the fixed interest rate, the monthly payment amount is always the same.

Good to know

• Applying is quick and easy. You can sign the agreement in the Internet Bank and the money is received in your account immediately after the submission of the signed agreement.
• The vehicle must be registered in the borrower's name in the Traffic Register of the Estonian Road Administration within 30 days of acquisition.
• Car loan amount up to 20 000 euro

Good to know

• you can choose either a capital lease or an operating lease. You become the owner of the vehicle at the end of the lease term in the case of a capital lease. In the case of an operating lease, you return the vehicle to our partner and can then lease a new vehicle if you wish;
• throughout the lease period you have the right to buy out the vehicle or to assign the right to buy out the vehicle to a third party;
• as the vehicle belongs to the lessor during the lease period, you need the lessor’s power of attorney to sell the vehicle, add another user.

Good to know

• The leasing applicant must be at least 22 years old.
• Upon the expiration of the lease contract, the motor vehicle must not be more than 10 years old.
• During the entire leasing period, you have the right to redeem the vehicle or transfer the right of redemption to a third party.
• Since the vehicle belongs to the lessor during the leasing period, if you wish to sell it, add another drivers, you need to get a letter of authorization from the lessor.

Good to know

• The interest rate is lower than for unsecured loans.
• It is possible to use one loan to cover various expenses, since the purpose of the loan is undefined.
• The security is domestic real estate, and therefore, the cost of establishing a mortgage (notary fee and state fee) and real estate appraisal fee may be incurred.
• It generally takes up to one week to complete the transaction from the submission of all the documents to the notarial certification.

Good to know

• The interest rate is lower than for unsecured loans.
• The security is domestic real estate, and therefore, the cost of establishing a mortgage (notary fee and state fee) and real estate appraisal fee may be incurred.
• It generally takes up to one week to complete the transaction from the submission of all the documents to the notarial certification.

Good to know

• A mortgage need not be established, but in the event of a purchase the borrower has to acquire the real estate object located in Estonia within 90 days of entry into the loan agreement and in the event of renovation or other intended purpose the borrower has to own a collateral prior to entry into the loan agreement.
• Applying is simple and fast. The contract can be concluded in the Internet bank and the money will be deposited in your account after the contract is concluded.

Good to know

A fixed payment card is suitable for making both smaller and larger purchases. It functions as simple as payment by instalments.

• You can purchase necessary items, such as a new washing machine or other home appliances right away, but spread the repayment over a longer period.
• You can repay the used limit in instalments made on certain dates and in certain amounts.
• The used credit limit can be conveniently repaid, as monthly repayments are automatically made from your current account.
• If necessary, you can make larger repayments to the card. This releases available credit limit that you can use for new purchases.

Good to know

Revolving credit card guarantees:

• more flexibility in taking care of your finances;
• special offers from partners;
• more valuable reward points.

Good to know

American Express® Blue credit card guarantees:

• purchase insurance– when you buy new durable goods with your Blue card, the purchase insurance that comes with the card covers them automatically for theft, loss and damage for 90 days after the purchase. The insurance applies even if an accident happens with the purchased item through your own fault and the manufacturer’s warranty does not apply;
• more flexibility in taking care of your finances;
• great special offers all over the world;
• more useful reward points.

Good to know

Gold revolving credit card guarantees:

• travel insurance that covers you and your family members travelling with you;;
• more flexibility in taking care of your finances;
• special offers from partners;
• more valuable reward points.

Good to know

American Express® Gold credit card guarantees:

• world-class travel insurance;
• convenient travel service;
• access to business lounges at airports;
• more flexibility in taking care of your finances;
• special offers from partners;
• more valuable reward points;
• better service.

Good to know

Quick and easy to apply. The contract can be signed in the Internet Bank and the money is transferred to the credit line account as soon as the contract has been signed.

The money can be used repeatedly. By making the repayment to the credit line account, you do not need to pay the interest and can use the money later again if necessary. A commitment fee must be paid for the unused sum which is just 1.2% per annum.

The credit line agreement can be extended automatically.