ParimAutolaen.ee
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.
The result is indicative and does not replace an official lender offer.
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Start with the monthly payment and provider comparison, then check ownership costs, insurance, vehicle tax and pre-purchase risk.
A clear guide to Estonian car loans, APR, fees, affordability and the full cost of buying a car.
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Calculate monthly payment, total cost, contract fee impact and monthly ownership cost before applying.
Read guide Compare typical Estonian car loan and leasing terms: amount, term, interest logic, contract fee and insurance requirements.
Read guideTerms
Public terms are a starting point. The final decision should be made from a personal offer, APR and pre-contractual information.
| Provider | Product | Amount | Term | Interest | Fees | Ownership | Offer | Link |
|---|---|---|---|---|---|---|---|---|
| LHV | Car loan | 200-25 000 € | 6 months to 10 years | Personal; example uses 11.9% on balance | Contract fee 2%, min €29.90; monthly fee €3.99 | 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. | View offer LHV Official link. |
| Inbank | Car loan and leasing | 1 500-35 000 € | 6-96 months depending on product | Loan from 8.9%; leasing from 4.9% + 6-month Euribor | Loan contract fee 2%, min €95; monthly fee €3.90 | 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. | View offer Inbank Official link. |
| SEB | Car loan and leasing | 2 000-40 000 € | Loan 6 months to 7 years; leasing up to 7 years | Loan from 7.9%; leasing margin from 1.45% + Euribor | Loan fee 1.5%, min €75; leasing fee 1%, min €225 | 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. | View offer SEB Official link. |
| Coop Pank | Car loan | 300-25 000 € | 6-120 months | From 6.9% per year according to public terms | Contract fee 2% of the amount, min EUR 35; monthly fee EUR 1.50 | 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. | View offer Coop Pank Sponsored link; check final terms with Coop Pank. |
| TF Bank | Vehicle loan | 1 000-25 000 € | 12-120 months | From 5.90%; fixed interest | Contract fee EUR 0; monthly administration fee EUR 5.90 | 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. | View offer TF Bank Sponsored link; check the personal offer with TF Bank. |
| Bigbank | Car loan | 500-30 000 € | According to provider terms | From 6.9% per year on outstanding balance | Contract fee 2% of credit amount, min EUR 45; check APR in the personal offer. | 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. | View offer Bigbank Official link. |
| Mogo | Car loan | 500-15 000 € | 6-84 months | From 1.99% per month on outstanding balance | Promo code or campaign terms can change the contract fee; check the offer. | 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. | View offer Mogo Sponsored link; verify campaign validity on Mogo's site. |
| Swedbank | Car leasing | Sõltub autost | Example uses 5 years | Example margin 2.29% + 6-month Euribor; APR 4.95% | Example contract fee €230; casco and traffic insurance required | 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. | View offer Swedbank Official link. |
| Hoovi | Business car loan | 1 000-25 000 € | 12-120 months | From 1.3% per month; vehicle loan from 1.2% per month | Business car loan contract fee EUR 329; vehicle loan contract fee EUR 689 | 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. | View offer Hoovi Sponsored link; intended for legal entities. |
| Hoovi Liising | Business car leasing | 6 000-30 000 € | 12-120 months | Vehicle leasing from 1% per month; car leasing from 1.2% per month | Contract fee EUR 689; registration fee can be split into monthly payments | 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. | View offer Hoovi Sponsored link; intended for legal entities. |
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Read guideOur approach
We explain car finance and ownership decisions in plain language and cite official sources where rules or costs depend on regulation.
Co-founder at Brooklake Group and organic growth strategist Hampus helps keep ParimAutolaen.ee guides focused on what a car buyer needs before applying: monthly payment, total cost, contract terms and pre-purchase checks.
Co-founder at Brooklake Group and editorial quality lead Oskar focuses on accuracy, comparison logic and editorial transparency for ParimAutolaen.ee, helping readers separate marketing claims from the terms that matter.