How to apply for a Primero consumer loan (2026)
New väikelaen applications should start on mogo.ee — primero.ee redirects applicants there while Primero Finance OÜ (registry 12401448) remains the legal lender. The flow is designed for remote completion with Smart-ID or Mobile-ID, though Tallinn and Tartu offices can assist if digital signing fails.
Step-by-step path
- Open mogo.ee and choose Väikelaen from the product menu.
- Set desired amount (€300 – €10,500) and term (6 – 72 months) in the calculator — note indicative KKM, not the final offer.
- Complete personal data, employment and income fields truthfully; mismatches delay or void approval.
- Submit the application — initial decision often arrives within ~30 minutes during business hours.
- Download and read pre-contractual information; confirm total cost, monthly instalment and any fees beyond the advertised €0 admin charge.
- Sign electronically with Smart-ID / Mobile-ID, or visit a branch with your ID if certificates are unavailable.
- After successful signing, funds move by SEPA to the Estonian IBAN you supplied.
Documents typically requested
| Document | Purpose |
|---|---|
| ID card or passport | Identity and age 18+ verification |
| Bank statement / payslip | Income and affordability check |
| IBAN confirmation | Payout destination in your name |
Common rejection reasons
Insufficient net income for the requested instalment; active defaults visible in Creditinfo; failed Smart-ID / Mobile-ID session; applicant under 18; non-resident without valid permit.
Practical tips
Apply during bank business hours if you need same-day payout. Keep MyMogo (ee.mogo.app) installed for post-approval tracking. For status questions: info@primero.ee, mogo@mogo.ee, +372 698 8444 / +372 688 8200.
