Loan Comparison 2026
Online loan comparison platform
Comparing loan offers helps you find the best terms for your specific needs. Use the filter below to view offers based on your desired amount, period, and loan type.
Compare loan offers
0 offers found
Why is it important to compare loan offers?
Terms and conditions from different lenders can vary significantly. Interest rates, contract fees, monthly payments, and the annual percentage rate (APR) differ considerably between providers. Without comparing, you risk paying significantly more for your loan than necessary.
Our comparison table brings together offers from over 30 Estonian lenders in one place. Enter your desired amount and period to instantly see which offer gives you the best deal.
What should you pay attention to?
- Annual percentage rate (APR) — this shows the true annual cost of the loan as a percentage, including both interest and fees. The lower the APR, the cheaper the loan.
- Monthly payment — make sure the monthly payment fits comfortably within your budget without sacrificing everyday expenses.
- Total repayment amount — this reveals how much you will pay in total for the loan. A longer period means a smaller monthly payment but a higher total cost.
- Loan speed — if you need money urgently, check the lender's decision and payout speed.
- Additional fees — contract fees, maintenance fees, early repayment fees, and late payment penalties all affect the true cost of the loan.
How does our comparison work?
Select your desired loan amount and repayment period using the sliders. Filter offers by loan type — quick loan, credit account, credit line, personal loan, or refinancing. The table automatically shows offers matching your criteria.
For each offer, you can see the interest rate, APR, monthly payment, and total repayment amount. Click "Apply now" to go directly to the lender's website and submit your application.
Our service is 100% free and non-binding. Comparing offers does not affect your credit score.
Loan Cost Calculator
Enter amount and term to see an estimated payment and total loan cost.
Actual terms depend on the lender. Use the comparison table for precise offers.
Example calculation at rate 15%
Monthly payment
270.44 €
Total repayment
3 245.28 €
Overpayment
245.28 €
Average interest
15%
How to choose the right loan?
Assess your need
Ask yourself: is a loan really necessary? Could you save up instead?
Calculate repayment
Monthly payments should not exceed 30-40% of income. Leave room for unexpected expenses.
Compare APR
APR shows the real cost. The lower the APR, the more affordable the loan.
Check all fees
Contract fee, admin fee, insurance — everything affects the real cost.
Verify the lender
Make sure the lender has an FI license. Check at fi.ee.
Read the contract
Before signing, read all terms. Pay attention to penalties and early repayment conditions.
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.
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