Loans Online
Compare offers from 30+ trusted lenders and find the best solution for your needs. 100% free!
Find the right loan product
Quick Loans
Money in your account in 15 minutes. Amounts €100–10,000.
Credit Account
Flexible credit limit you use as needed.
Credit Line
Reusable credit line for everyday use.
Credit Cards
Convenient payment method with an interest-free period.
Personal Loan
Larger amounts with longer repayment periods.
Refinancing
Consolidate existing loans and reduce monthly payments.
Loans in Estonia — everything you need to know
Objective and independent loan comparison
Quick loans
Amount 50–5,000 €, term 1–36 months. Money in your account within 15 minutes. Ideal for unexpected expenses.
Credit card
Limit up to 5,000 €, interest-free period up to 50 days. Convenient for daily purchases and online payments.
Personal loan
Amount 500–15,000 €, term 6–72 months. Better interest rate and longer term for planned expenses.
Refinancing
Consolidate multiple loans into one and reduce your monthly payment. Suitable when existing rates are high.
How to choose the right loan?
When choosing a loan, it's important to compare multiple offers — not just the interest rate, but also the APR (Annual Percentage Rate), which includes all fees. Use our loan calculator for precise calculations and our comparison table to find the best offer.
Open calculator →What does the lender check?
The lender evaluates your income, existing obligations, and credit history. In Estonia, data is checked through the payment default register and credit bureau. The better your credit score, the lower the interest rate.
Compare offers →123laen.ee is Estonia's independent loan comparison service, operating since 2016. We help you find the best loan offer by comparing quick loans, personal loans, credit accounts, credit lines, credit cards, and refinancing options from verified Estonian lenders. Our service is completely free for borrowers. Use the loan calculator for precise cost calculations or go directly to the comparison table to find the most suitable offer. Read expert analysis on our blog.
Online loans in Estonia
Applying for loans online has become the standard in Estonia. The entire process — from application to receiving funds — takes place digitally, without visiting a bank branch. Identity verification is done via ID-card, Mobile-ID, or Smart-ID, and bank statements are retrieved automatically. Most lenders process applications within 15 minutes to 1 business day. Online loans offer competitive rates because lenders save on operating costs and pass those savings to borrowers.
On 123laen.ee, you can compare all types of online loans from licensed Estonian lenders in one place. We update our data regularly to ensure you always see the latest interest rates, terms, and conditions.
Unsecured loans — no collateral needed
Most consumer loans in Estonia are unsecured — they don't require property, a vehicle, or any other collateral. The lender's decision is based solely on your income, credit history, and existing obligations. This makes the application process faster and more accessible, especially for smaller amounts up to 10,000 €.
Unsecured loans include quick loans, personal loans, credit accounts, and credit cards. The trade-off is a slightly higher interest rate compared to secured loans, but the convenience and speed often outweigh this difference.
Loans for individuals
All loan products on 123laen.ee are designed for private individuals (natural persons). Whether you need funds for an unexpected expense, a planned purchase, or debt consolidation — we help you compare offers specifically tailored for individuals. Requirements typically include: Estonian residency, age 18–75, regular income, and a valid Estonian ID document.
Use our loan calculator to estimate your monthly payment before applying, and check the comparison table to find the lender that best fits your needs.
How does it work?
Choose amount and period
Use our filter to set the desired loan amount and repayment period.
Compare offers
View all matching offers and compare interest rates, monthly payments and terms.
Choose the best
Find the offer that best suits your needs and click through to the lender's page.
Get your money
Fill in the application on the lender's website and get a decision in minutes.
Why choose us?
123laen.ee is Estonia's largest independent loan comparison portal. We are not lenders — we help you find the best offer.
Compare all offers
30+ trusted lenders in one place.
Verified reliability
All our partners are licensed by the Estonian Financial Supervision Authority.
Find the best choice
Our calculators help find the most affordable solution.
Customer support
Need help? Our team answers your questions.
Borrower requirements
Main conditions for getting a loan
Minimum age 18 years
Must be at least 18 years old, Estonian resident
Regular income of at least €600/month
Regular income must be verifiable
Estonian resident or residence permit holder
Estonian personal ID and bank account
No active debt obligations or payment defaults
Checked via the payment default register
Valid email address and phone number
Required for application verification
Important notice!
A loan affects your credit history. An unpaid loan can worsen your credit rating.
Late payments result in penalties and late fees.
Before taking out a loan, assess your financial situation and ability to repay.
Think before you borrow
Responsible lending
Borrowing is a serious financial decision that affects your life for a long time. Follow these recommendations to avoid financial stress and over-indebtedness.
Create a budget
Before taking a loan, create a detailed monthly budget. Calculate your income and all mandatory expenses — rent, utilities, food, transport. The loan payment must fit within your available funds.
Don't borrow on impulse
Impulsive decisions often lead to over-borrowing. Wait at least 48 hours before submitting an application. If the need still seems justified after waiting, only then proceed.
Compare offers
Don't choose the first offer. Compare terms from at least 3–5 lenders — interest, APR, fees and repayment schedule. Use our comparison table to find the best one.
Read the contract
Before signing, read the contract carefully. Pay attention to the interest rate, APR, penalties, early repayment terms and all fees.
Your borrower rights
Protected by law
Right of withdrawal
You have 14 calendar days to withdraw from the contract without giving a reason. Return the loan amount and accrued interest — the contract will be cancelled.
Early repayment
You have the right to repay the loan early in part or in full at any time. The lender may charge compensation of maximum 1% of the amount repaid.
SECCI standard information
Before signing the contract, the lender must provide you with a SECCI information sheet — it contains all loan terms in one document for an informed decision.
Dispute resolution
If a dispute arises with a lender, you have the right to contact the Consumer Protection Authority free of charge. You can also use out-of-court solutions.
Checklist: what to ask your loan advisor?
8 important questions before taking a loan
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