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Car loan

Agreement fee 0 €!

Want a new and more economical car?

Special offer! Save at least €100, because the agreement fee €0*

For you as our young client! Contract fee is 0 €! To do so, use the promotional code „Noor“.

Car loan is an incredibly convenient and fast solution if you are looking for a used car or motorcycle.

  • No down payment required.
  • Casco Insurance is not mandatory.
  • No monthly service fees.
  • Option for early repayment of loan without any additional fees.

*The agreement fee offer is valid for applications that are submitted between 15.04.–31.05.2024.
The offer does not extend to refinancing of the Leasing.

Fill in an application in 2 min Get personalized offer Sign the agreement via internet bank

Basis for the calculation

The data provided by the calculator is for information only, however it gives you an idea of what could be the size of your monthly loan payments.

The possible monthly payments for the loan are calculated on the following assumptions:

  • loan amount - 0
  • loan period -  
  • first monthly payment - starting from the second month after agreement conclusion;
  • fixed interest rate - the interest rate varies on case-to-case basis, in the example - 0 %;
  • contract fee -  ;
  • total sum of credit -  ;
  • annual percentage rate (APR*) -   %;

*Krediidi kogukulu, mis on väljendatud aastase protsendimäärana krediidisummast või krediidi ülempiirist.
Määr on arvestatud eeldusel, et põhiosa ja intress makstakse tagasi igakuiste annuiteetmaksetena.

Examples of the annual percentage rate

Car loan

The annual percentage rate is 11,23% on the following (example) conditions:

  • loan of €7 500;
  • fixed interest rate of 9,9%;
  • contract fee of €112,5;
  • number of repayments 60;
  • repayment period of 5 years;
  • the sum of repayments €9 577,01;
  • the total cost of the credit €2 189,51;
  • the total sum of the credit €9 689,51.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full.
Upon taking a loan, a motor third party liability insurance contract must be entered into.

Car loan calculator

Monthly payment:

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  • 0
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  • 0
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Insurance against borrower's unemployment and incapacity for work helps you to pay the monthly loan payments, if for more than 30 days you:

  • unexpectedly lose your job
  • stay on sick leave due to your or your child‘s illness

The insurance agreement can be concluded only 30 days after signing the loan agreement.

  • 0
  • 35  0
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The calculation is approximate and may differ from the terms and conditions offered to you. The interest rate depends on the client’s profile and the chosen vehicle.

The insurance service is provided by Swedbank P&C Insurance AS.

Regular net monthly income at least €650, with a co-borrower at least €1100. Average income in the last 6 months. If you are applying with a co-borrower, add their monthly income too. Fill in how much on average you spend each month on existing obligations (loans, leases, instalments, etc.). If you are applying with a co-borrower, add their monthly obligations too.
  • 0

The data provided by the calculator is for information only, however it gives you a picture of what could be the amount of your loan. Fill out the loan application and find out the terms of loan offered specifically to you.

Car loan is a convenient solution, if you are looking for a used car, motorcycle or any other type of land vehicle.

  • Car evaluation is not required.
  • Casco insurance is optional.
  • Possibility of early loan repayment without any additional fees.
  1. Fill in the application in the internet bank.
  2. We will inform you about the decision by phone, by e-mail or a text message.
  3. Sign the contract in the internet bank. Money will be transferred to your current account within a matter of minutes.
  4. Congratulations! You will soon be the owner of a new car. Register the car in your name in 30 days.

Note! Do not forget to get yourself a Traffic Insurance. See more

  • Loan amount from €3,000 to €20,000.
  • Loan period from 6 months to 7 years.
  • Annual interest rate start from 7,9%, depending on the loan amount and your credit history. Interest is calculated on the loan balance.
  • Contract fee 1.5% of the loan amount; minimum €100.
  • Net monthly income at least €650, with a co-borrower at least €1100.

Note! The vehicle must be registered in the name of the borrower at the Traffic Register Bureau of the Estonian Transport Administration within 30 days, otherwise a Small Loan interest rate 19% will be applied to your loan.


Effective as of 01.09.2023
Car loan
Annual interest rate starting from 7,90%
Agreement fee 1,5% of the loan amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list

Changes to The Loan Contract

With the self-service feature, you can:

  • change the payment date;
  • change the payment account;
  • make early partial repayments;
  • request a grace period.

Your car can be a step towards to a more sustainable lifestyle

Did you know that transport is responsible for 30% of the total CO2 emissions? But car industry is also bringing lots of new possibilities. Eco-friendly cars are not only better for the environment, they also tend to have lower ownership costs.

  1. Choosing electric, hybrid or other low CO2 emission caris your chance to be more environment friendly. We have special leasing offer for eco-friendly cars.
  2. Carpooling can reduce your environmental footprint by 3-4 times. Start small - give a ride to a colleague and try to do carpooling as often as you can.
  3. Walk, bike or use public transportation when possible. By the way, 30 minutes of fast-paced walk a day is a good workout and a great mood booster.

When buying a new car, bring your attention to the fuel economy and environmental labels – they indicate how much CO2 emissions your car produces.

Zero & low emission
vehicles (electric, plug-in vehicles)

Low & average emission
vehicles (mostly hybrid vehicles)

Average & high emission
vehicles (diesel, petrol vehicles)

Calculate how much carbon footprint does your transport choice create monthly?
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  • forest

Calculator's methodology based on ClimateCare.

Special offer for low emissions cars!

Suitable for buying a new or a more expensive car.

  • Casco insurance will cover the damage caused to you.
  • Free roadside assistance.

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