Unsecured ärilaen (hoovi.ee, 2026)
| Parameter | Value |
|---|---|
| Amount | €1,000 – €30,000 |
| Term | 3 – 60 months |
| Interest | From 1.25%/month |
| Contract fee | €193 + 7.9% of loan (per calculator footnote) |
| Collateral | None (unsecured) |
| Early repayment | Free, no notice (per FAQ) |
Arvelduskrediit (invoice / overdraft line)
| Parameter | Value |
|---|---|
| Limit | €10,000 – €50,000 |
| Interest | 1% – 1.83%/month on drawn amount only |
| Unused limit | No fee (per marketing) |
| Repayment | Flexible schedule |
Secured products
Mortgage, second-rank mortgage, vehicle lease (0% down advertised) — terms individual; larger amounts and longer terms possible.
Requirements: Estonian OÜ, AS, MTÜ or FIE; 12 months bank statements (company + director) for ärilaen; ID of signatory.
Risk warning: default → penalties, Creditinfo entry, enforcement on guarantors and collateral.