ParimAutolaen.ee Car loan guide

ParimAutolaen.ee

Compare car loans and car buying costs in Estonia

Before you apply, see what the monthly payment means for your budget, which fees providers usually charge and what to check before buying the car.

Calculate my payment Compare providers

Quick payment

The result is indicative and does not replace an official lender offer.

Estimated monthly payment0 €
Total repayment with fees0 €
Interest cost0 €

Start here

Make a calm, informed car buying decision

Start with the monthly payment and provider comparison, then check ownership costs, insurance, vehicle tax and pre-purchase risk.

Core guide · 11 min read

Car loans in Estonia: the complete guide before you sign

A clear guide to Estonian car loans, APR, fees, affordability and the full cost of buying a car.

Read guide Tool · 6 min read

Car loan calculator: monthly payment, total cost and budget limit

Calculate monthly payment, total cost, contract fee impact and monthly ownership cost before applying.

Read guide Comparison · 8 min read

Car loan comparison in Estonia: what to check by provider

Compare typical Estonian car loan and leasing terms: amount, term, interest logic, contract fee and insurance requirements.

Read guide

Terms

Compare terms before applying

Public terms are a starting point. The final decision should be made from a personal offer, APR and pre-contractual information.

Car loan

LHV

View offer
Amount
200-25 000 €
Term
6 months to 10 years
Interest
Personal; example uses 11.9% on balance
Fees
Contract fee 2%, min €29.90; monthly fee €3.99
Ownership
Car in buyer's name
Official application: EUR 200-25,000, 6 months to 10 years, no mandatory down payment. Used car, repair or accessories financed without collateral.
LHV Official link.
Car loan and leasing

Inbank

View offer
Amount
1 500-35 000 €
Term
6-96 months depending on product
Interest
Loan from 8.9%; leasing from 4.9% + 6-month Euribor
Fees
Loan contract fee 2%, min €95; monthly fee €3.90
Ownership
Loan in buyer's name; leasing uses registered pledge
Car loan EUR 1,500-15,000, 6-72 months, from 8.9%; leasing EUR 15,000-35,000, from 4.9% + 6-month Euribor. Buyers comparing no-down-payment loan and residual-value structure.
Inbank Official link.
Car loan and leasing

SEB

View offer
Amount
2 000-40 000 €
Term
Loan 6 months to 7 years; leasing up to 7 years
Interest
Loan from 7.9%; leasing margin from 1.45% + Euribor
Fees
Loan fee 1.5%, min €75; leasing fee 1%, min €225
Ownership
Loan in buyer's name; leasing by lessor
Car loan EUR 2,000-40,000, up to 7 years, interest from 7.9%; leasing from EUR 5,000, down payment from 10%. Bank customers comparing a car loan with classic leasing.
SEB Official link.
Car loan

Coop Pank

View offer
Amount
300-25 000 €
Term
6-120 months
Interest
From 6.9% per year according to public terms
Fees
Contract fee 2% of the amount, min EUR 35; monthly fee EUR 1.50
Ownership
Car in buyer's name
Sponsored offer: EUR 300-25,000, 6-120 months, interest from 6.9%; no mandatory down payment or casco. Buyers who want a bank loan without a down payment and a quick response.
Coop Pank Sponsored link; check final terms with Coop Pank.
Vehicle loan

TF Bank

View offer
Amount
1 000-25 000 €
Term
12-120 months
Interest
From 5.90%; fixed interest
Fees
Contract fee EUR 0; monthly administration fee EUR 5.90
Ownership
Buyer becomes the vehicle owner
Sponsored offer: EUR 1,000-25,000, 12-120 months, interest from 5.90%, EUR 0 down payment and EUR 0 contract fee. Buyers of a car, motorcycle, boat or other vehicle who want fixed interest and EUR 0 down payment.
TF Bank Sponsored link; check the personal offer with TF Bank.
Car loan

Bigbank

View offer
Amount
500-30 000 €
Term
According to provider terms
Interest
From 6.9% per year on outstanding balance
Fees
Contract fee 2% of credit amount, min EUR 45; check APR in the personal offer.
Ownership
Car in buyer's name
Official application: EUR 500-30,000, 6-120 months, interest from 6.9% on outstanding balance. Comparing a flexible car loan from a standalone lender.
Bigbank Official link.
Car loan

Mogo

View offer
Amount
500-15 000 €
Term
6-84 months
Interest
From 1.99% per month on outstanding balance
Fees
Promo code or campaign terms can change the contract fee; check the offer.
Ownership
Car in buyer's name
Sponsored offer: up to EUR 15,000, up to 84 months; promo code KEVAD gives EUR 0 contract fee. Buyers who want funds before choosing the final car and up to 30 days to decide.
Mogo Sponsored link; verify campaign validity on Mogo's site.
Car leasing

Swedbank

View offer
Amount
Sõltub autost
Term
Example uses 5 years
Interest
Example margin 2.29% + 6-month Euribor; APR 4.95%
Fees
Example contract fee €230; casco and traffic insurance required
Ownership
In lessor's name
Official leasing example: margin 2.29% + 6-month Euribor, contract fee EUR 230, casco and traffic insurance required. Checking newer-car leasing total cost including insurance.
Swedbank Official link.
Business car loan

Hoovi

View offer
Amount
1 000-25 000 €
Term
12-120 months
Interest
From 1.3% per month; vehicle loan from 1.2% per month
Fees
Business car loan contract fee EUR 329; vehicle loan contract fee EUR 689
Ownership
Business solution; collateral depends on the offer
Sponsored offer: business car loan EUR 1,000-25,000, 12-120 months, 0% down payment. Companies buying a vehicle for work or business use.
Hoovi Sponsored link; intended for legal entities.
Business car leasing

Hoovi Liising

View offer
Amount
6 000-30 000 €
Term
12-120 months
Interest
Vehicle leasing from 1% per month; car leasing from 1.2% per month
Fees
Contract fee EUR 689; registration fee can be split into monthly payments
Ownership
Capital lease; Hoovi owns the vehicle until buyout
Sponsored offer: business car leasing EUR 6,000-30,000, 12-120 months, 0% down payment. Companies financing a car, van, truck or other vehicle with 0% down payment.
Hoovi Sponsored link; intended for legal entities.

Everything cars

Before you buy the car

A loan only makes sense when the car itself is a sensible purchase.

Decision guide · 7 min read

Car leasing vs car loan: which fits your purchase?

Compare ownership, down payment, comprehensive insurance, residual value, resale freedom and total cost.

Read guide Buying plan · 10 min read

Buying a car in Estonia: from budget to ownership transfer

A practical step-by-step guide to buying a car in Estonia: budget, background check, test drive, contract, ownership transfer and insurance.

Read guide Checklist · 9 min read

Used car inspection: pre-purchase checklist for Estonia

A checklist for vehicle history, technical condition, test drive, documents and hidden costs.

Read guide Budget · 8 min read

Car ownership costs: what does a car really cost per month?

Calculate real monthly car cost with loan, fuel, insurance, maintenance, tyres, parking and taxes.

Read guide Electric car · 7 min read

Electric car costs in Estonia: charging, leasing and battery risk

What to check before buying or financing an EV: home charging, public charging, battery health, insurance and residual value.

Read guide Tax · 6 min read

Vehicle tax in Estonia: annual tax and registration fee for buyers

What car buyers should know about motor vehicle tax, annual tax and registration fee from 2025.

Read guide Insurance · 7 min read

Traffic insurance and casco: what car buyers should know

Understand compulsory traffic insurance, voluntary comprehensive insurance and leasing insurance requirements in total car cost.

Read guide Refinancing · 6 min read

Car loan refinancing: when to replace an old contract

How to assess whether refinancing lowers total cost or only temporarily lowers the monthly payment.

Read guide

Our approach

Built for Estonian car buyers

We explain car finance and ownership decisions in plain language and cite official sources where rules or costs depend on regulation.

Hampus Sjöstedt Fact-checking and finance guide review

Hampus Sjöstedt

Hampus reviews calculations, terms and source references for ParimAutolaen.ee. He has worked on several finance-related websites and helps keep the guides practical, cautious and easy to verify.

 Oskar Kallenbach Car enthusiast and ParimAutolaen.ee guide writer

Oskar Kallenbach

Oskar writes most ParimAutolaen.ee guides from a car buyer's point of view. As a car enthusiast, he focuses on how loans, leasing, insurance, vehicle tax and pre-purchase checks affect the real buying decision.