Quick Loans 2026
Quick loan from 0% — up to €15,000 unsecured in 15 minutes
A quick loan is a short-term loan that can be applied for online with money deposited to your account very quickly. Over 20 lenders offer quick loans in Estonia.
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Parim pakkumine "Quick Loans 2026"
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Võrdle "Quick Loans 2026" pakkumisi
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Täida avaldusWhat is a quick loan?
A quick loan is a short-term consumer credit that can be applied for and received entirely online, typically within 15 minutes to one business day. In Estonia, quick loans range from 100 to 5,000 euros and do not require collateral or a guarantor. Identity verification is carried out through an ID card, Mobile-ID, or Smart-ID.
Quick loans are designed for covering unexpected expenses such as car repairs, appliance replacements, medical bills, or other unforeseen costs. The lending decision is based on the applicant's income and credit history rather than any pledged assets.
Quick loan terms in 2026
- Loan amount: 50 – 5,000 €
- Loan period: 1 – 36 months
- Interest rate: 0% – 45% per year (often 0% for new customers)
- Contract fee: 0 – 130 €
- Age requirement: 18 – 75+ years
- Identification: ID card, Mobile-ID, or Smart-ID
- Required document: bank statement for the last 6 months
The annual percentage rate (APR) of quick loans is generally higher than that of long-term bank loans. For this reason, quick loans are best suited for short-term financial needs rather than long-term financing solutions.
How to apply for a quick loan
The application process is fully digital and consists of the following steps:
- 1. Select the desired loan amount and repayment period
- 2. Complete the application form on the lender's website
- 3. Verify your identity using an ID card, Mobile-ID, or Smart-ID
- 4. Submit your bank statement (automatically or manually)
- 5. Wait for the loan decision (usually 5 – 15 minutes)
- 6. Upon approval, sign the contract digitally
- 7. The funds are transferred to your account — often within 15 minutes
Advantages and disadvantages of quick loans
Advantages:
- Fast decision and payout (as quick as 15 minutes)
- 100% online application without visiting a bank branch
- No collateral or guarantor required
- Many lenders offer interest-free first loans for new customers
Disadvantages:
- Higher interest rates compared to traditional bank loans
- Smaller loan amounts (typically up to 5,000 €)
- Shorter repayment periods
- Late payment penalties and additional fees may apply
What to consider before taking a quick loan
Before applying, make sure that you can afford the monthly payments without compromising your everyday expenses. Always compare offers from multiple lenders, as interest rates, contract fees, and APR can vary significantly between providers. Pay close attention to early repayment terms and late payment penalties.
A quick loan is a financial obligation. If you already have several active loans, consider consolidating your existing debts through refinancing first. If you encounter difficulties with repayments, contact your lender immediately to arrange a payment holiday or schedule adjustment.
Content prepared by 123laen.ee specialists
Our team analyzes the Estonian credit market daily, verifies conditions and ensures data accuracy for every lender.
Editor
Andres Mets
Analyst team
123laen OÜ
Compare Loan Types
| You are here Quick Loan | Credit Account | Credit Line | Credit Card | Personal Loan | Refinancing | |
|---|---|---|---|---|---|---|
| Amount | 50–5 000 € | 100–5 000 € | 500–10 000 € | 200–5 000 € | 500–10 000 € | 500–30 000 € |
| Term | 1–36 mo. | 6–60 mo. | 6–60 mo. | Revolving | 6–72 mo. | 12–120 mo. |
| Interest | 0–45% | 0–25% | 5–25% | 15–25% | 5–20% | 4–15% |
| Speed | 15 min | 1–24h | 1–24h | 3–7 days | 1–3 days | 1–5 days |
| Collateral | No | No | No | No | No/Yes | No |
| Best for | Urgent needs | Flexible credit | Revolving limit | Daily purchases | Larger amount | Lower payments |
| View offers | View offers | View offers | View offers | View offers | View offers |
How to Apply for a Loan: Your Path to Success
Required Documents & Data
Authentication Methods
Faster method = better chances
Your Approval Probability
Check items to see your chances
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Select a method and check documents
Tip: prepare all documents before applying.
Loan Glossary
Loan terms seem confusing? Our glossary explains everything in plain language — APR, interest rate, annuity and more.
Assess Your Loan Readiness
Answer 8 questions to find out if you are ready for a loan.
The quiz has 8 questions. Each evaluates an important aspect of loan readiness. It takes about 2 minutes.
User ratings
Compared 5 quick loan offers in 10 minutes. Got an instant overview of rates and monthly payments — very convenient!
The quick loan comparison was very useful. Found an offer with 0% interest on the first loan.
The calculator immediately showed real costs per lender. Saved over 50 euros in interest thanks to this.
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Korduma kippuvad küsimused
1Mis on kiirlaen ja kuidas see töötab?
2Kui kiiresti saan kiirlaenu kätte?
3Kas kiirlaenu saab maksehäirega?
4Mis dokumente on kiirlaenu taotlemiseks vaja?
5Milline on kiirlaenu intressimäär Eestis?
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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