Home small loan

All Estonian citizens or residence permit holders who are at least 21 years of age, have an excellent credit record, and a monthly income of at least 500 euros may apply for the loan. To ensure that the loan is used for its intended purpose, we may require the lender to provide proof of ownership or renovation of real estate. We expect to receive the documents within 14 calendar days of our request.

In the case of a temporary residence permit, the loan agreement can last until the expiry date of the residence permit.

You don’t have to change your home bank to get a loan from Inbank. You can make the monthly repayments of the loan using the account in your current home bank.

The exact interest rate depends on the conditions offered to you personally, which you can review after receiving the loan decision. The term of the loan is 6 to 84 months. The interest rate is fixed for the entire loan period and is not tied to Euribor. You can therefore be certain that the monthly repayment will not change.

You can submit your loan application right here on the Inbank website or at our office in Tallinn. You must have an ID-card, Mobile-ID, or Smart-ID to sign the agreement online. You must know your PIN1 to log in and your PIN2 to sign the agreement. You must present an identity document (ID-card, passport, or residence permit) to sign the agreement at the Inbank office.

Provide a bank account statement covering the last 6 months from the date of your loan application. The statement must include details of your income and financial obligations. If you are submitting an account statement from Swedbank, SEB, LHV, Coop Pank, or Luminor, it must be submitted in a bank-approved digital format (.bdoc, .asice, .sce). If you are submitting an account statement from another bank, the statement must be saved as a PDF and digitally signed using the DigiDoc application. After saving the statement to your computer, you can upload it to the loan application. The statement can also be uploaded later on self-service. Select "Loans" in the menu, find and open the pending application, and upload the statement file. If the statement cannot be uploaded for some reason, please send it via e-mail laen@inbank.ee.

To ensure that the loan is used for its intended purpose, we may require the lender to provide proof of ownership or renovation of real estate. We expect to receive the documents within 14 calendar days of our request. If the requested documents are not submitted, we have the right to cancel the agreement extraordinarily or to unilaterally change the interest rate specified in the agreement by 5%. A fee for amending the contract will also apply.

Most likely, you will receive an immediate response to an application submitted on our website or at our office. In case of a positive decision, you can sign the loan agreement right away. If we cannot give you a loan decision right away, we will ask you to submit a digitally certified account statement for the last 6 months. You will then receive a decision within one working day.

We transfer the money to the borrower’s personal Estonian account within one working day of entry into the agreement and successful identification of the borrower. Depending on your home bank, you will receive the money in your account on the same day that we make the payment, or the next day.

We can only pay out the loan to the applicant's personal account in a bank located in Estonia. We cannot pay out the loan amount to a foreign bank account or to another person’s account.

After you sign the agreement digitally, you can always access it on our self-service. You will also find the link to your agreement in the e-mail message that will be sent to you after signing. If you cannot find the agreement, please contact our customer care.

Your monthly payments follow the schedule outlined in your loan agreement. You can conveniently make payments in our self-service. If you prefer manual payments, follow to the payment schedule e-mailed to you upon signing the agreement. Payments should be made to Inbank’s SEB account. Ensure you enter your unique reference number in the designated “Reference number” field, not in the description. For Swedbank app users: tap “Show more” at the bottom of the payment page to access the “Reference Number” field.

You can repay your loan in full or partially at any time before the end of your agreement. To do so, e-mail us at info@inbank.ee with your request, specifying the date you wish to make the repayment. We will provide you with the exact amount due as of that date. Please note that while no interest or additional costs are charged for the unused loan period, a reasonable early repayment fee will apply, as outlined in your loan agreement and Inbank’s price list.

Yes, it is possible to change the payment date. Please send the relevant request to info@inbank.ee. You will find the fee for amendment of the payment date on the Inbank price list.

If we haven’t received your payment by the due date, we’ll notify you of the delay. Late payments may incur additional costs, including default interest, as outlined in your loan agreement and Inbank’s price list. If you’re experiencing financial difficulties that may affect your ability to repay the loan, please contact us as soon as possible. We’re here to find a flexible solution.

If you’re experiencing challenges in making your loan payments, please inform us as soon as possible. We are always committed to supporting our clients by offering solutions as flexible as possible. Depending on your situation, options may include a grace period to temporarily postpone your principal payments or a loan term extension to spread out your payments over a longer period and reduce monthly amounts.