- Open mogo.ee — primero.ee redirects new applicants here.
- Select Väikelaen and set amount (€300–10,500) and term (6–72 months).
- Complete personal and income fields.
- Submit — initial response often within ~30 minutes (business hours).
- Review pre-contractual information — check KKM and total cost.
- Sign with Smart-ID, Mobile-ID or at Tallinn/Tartu office.
- Money transferred to your IBAN.
Documents: ID card or passport; bank statement / income proof as requested.
Common rejections: insufficient income; negative Creditinfo; failed authentication; age under 18.
