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Small loan

If there’s something you need, we have the solution! You can use a small loan exactly the way you want. No collateral is required and you will receive a response to your request in a matter of seconds!

Loan calculator


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Apply now and receive a response in a few seconds

88 EUR

The calculation is approximate and may differ from the terms and conditions offered to you.

Interest from
Amount up to
€15 000
6-72 months
A response
in seconds

Quick and easy!

You will receive a response to your request in a few seconds and we will transfer the money to your account the next working day at the latest.

Quick and easy

Filling in the application is easy and you will receive an offer in a matter of seconds. We will transfer the money to your account the next working day at the latest.

Accessible everywhere

You can submit an application any time online, at the nearest branch of the bank or at Coop stores nationwide.


Our professional employees are always there for you to find the best solution for making your wishes come true.

Apply for loan

More information

  • No collateral required
  • Fixed annual interest rate from 8.9% on loan balance
  • Loan amount €300–15,000
  • Loan period 6 months – 6 years
  • Agreement fee 2% of loan amount, min €35
  • Agreement administration fee €1.5 per month
  • An applicant must be at least 21 years old and an Estonian citizen or a foreign national holder of a residence permit
  • The borrower may not be older than 75 years of age upon expiry of the loan term
  • Monthly income from €280
  • Excellent credit record

The maximum loan amount depends on your monthly income and obligations.

We will ask you to send us your account statement if necessary. We accept digitally signed account statements for the last six months (in bdoc format), which include information about all income and expenses. You can download it from the internet bank of your home bank. Please e-mail the statement to

You can submit a loan application online, at the branches of the bank and at Coop stores nationwide.

You can sign the agreement digitally with your ID card, Smart-ID or Mobile-ID. If necessary, we will invite you to a branch of Coop Bank or a Coop store for identification before we pay out the loan. Please bring an identity document (ID card, passport or driving licence).

We will transfer the money to the your account within one working day of entry into the agreement and, if necessary, identification. The money will be received in your account the same or the next banking day after we make the transfer irrespective of the bank.

Loan repayments

Please make the loan repayments to the Coop Finants AS account number EE384204278603522603. By making the repayment, do not forget to indicate the reference number that can be found in your contract or on e-invoice.

Every month, we will send you an e-invoice that you’ll find in the internet bank of your home bank. The e-invoice will be sent automatically to the bank to which your loan amount was transferred. We advise you to set up an e-invoice standing order, as this is the most convenient way of making the repayments.

Amendment of the agreement
  • Changing the payment date

The payment date can be the 1st, 5th, 10th, 15th or 20th day of the month.

  • Grace period

You can request a grace period if necessary. The length and the terms and conditions of the grace period are determined in consideration of your requirements and possibilities.

  • Early repayment

The loan can also be repaid before the deadline of the agreement.

If you would like to amend the agreement, please go to a branch of Coop Bank or send an e-mail to The fee for amendment of the agreement is calculated according to the price list.

Overdue payments

If we haven’t received a repayment by its due date, we will text you a reminder that the payment must be made. The costs and default interest related to an overdue payment are calculated according to the price list. If you find that making the repayments will be a longer-lasting problem, please contact us so we can find a suitable solution together.

Before you conclude an agreement, we advise you to review the terms and conditions of the financial service and, if necessary, consult a specialist.

The annual percentage rate of charge on a small loan is 25.05% on the following sample terms: loan amount €2000, loan term in months 24, number of repayments 24, fixed interest rate per annum 19.9% as calculated on the loan balance, agreement fee €40, monthly administration fee €1.50, monthly instalment €104.18, total credit amount €2538,17 and total of repayments €2498,17. Small loans are provided by Coop Finants AS.