Holm Bank.Private.Autodiiler loan

Autodiiler loan

With the Autodiiler loan, you can conveniently choose a new or used car from the autodiiler.ee portal. This is an unsecured loan with an interest rate not tied to EURIBOR. 

The selected vehicle can be registered in your name immediately, and the registration fee may be included in the loan amount. No down payment or comprehensive insurance is required, ensuring that the process of acquiring a car remains flexible and convenient. 

Loan amount

up to 25 000 €

Interest rate

6,9%

Contract fee

2%

Contract length

6-120 months

Administration fee

0,25%

Down payment

0 €
Autodiiler loan

We will prepare a personalised offer based on your chosen loan amount and term, and your creditworthiness. You can complete everything digitally—from the application to adjusting the repayment schedule and making early repayments. 

The Autodiiler loan is issued and financed by Holm Bank AS. Before you decide, please read the terms and conditions carefully. If you have any questions or would like advice, please contact us. 

Loan payment protection insurance

Loan payment protection insurance provides financial security in unexpected situations that may affect your ability to make loan payments. If you face challenging circumstances, such as incapacity for work or job-loss, the insurance can help cover your loan payments.

The insurance can be conveniently added through our self-service platform before signing the loan agreement. For more detailed information about loan payment protection insurance, please refer to our loan payment protection insurance page or click the loan insurance information tooltip in self-service before signing the loan agreement.

The provider of loan payment protection insurance is If P&C Insurance AS. Please familiarize yourself with the terms and conditions In the event of a claim, please call +372 777 1211 or submit your claim at if.ee.

Loan payment protection insurance

In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment if the total amount of your loans is €15,000 or more. If you are not a citizen of the Republic of Estonia, we might also ask you to identify yourself. A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.

Frequently asked questions

1. How can I apply for a consumer loan and sign a contract?
Submitting a loan application is convenient and secure. After submitting an application, the response will be displayed immediately. If the decision is positive, please examine our offer, prepare a suitable payment schedule, carefully read the terms and conditions and sign the loan contract.
If you need more time to think things through before you sign the contract, the offer will be pending in our self-service environment.
We follow the principles of responsible lending. Therefore, in some cases, we need your bank statement or digital identification. We will always keep you up to date with the application process.
2. Is it possible to choose a suitable repayment period when drawing up a Holm small loan contract?
Yes. The repayment period of a Holm small loan can be 6–120 months. The exact payment schedule will become clear after assessing your solvency.
3. Can I pay more than one instalment in a month?
Yes – the amount overpaid will be an advance on the next instalment(s).
4. Can I change the payment schedule of my Holm small loan contract?
Yes, it is usually possible to make the Holm small loan payment schedule longer or shorter and to change the payment date. If you want to do so, notify Holm in writing on paper or by e-mail at [email protected].
5. Can I terminate Holm consumer loan agreement earlier?
Yes, you can repay the loan or part of it received under the Holm consumer loan agreement ahead of time. If you have such a request, notify Holm in writing on paper or by e-mail [email protected].
6. How do I save and submit my account statement?
Swedbank

Log in to the Internet bank of swedbank.ee.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to [email protected] together with the personal identification code. You can also upload your account statement in our self-service environment.

SEB

Log in to the Internet Bank from https://www.seb.ee/eng?c=1
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.

LHV

Log in to the Internet Bank from https://www.lhv.ee/en
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.

Luminor

Log in to the Internet Bank from https://www.luminor.ee/en/private
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to [email protected].
You can also upload your account statement in our self-service environment.
7. How should I do when I am having payment difficulties?
In case of payment difficulties, contact Holm Bank as soon as possible, you can find the necessary guidelines here.
8. Who is a politically exposed person?
A politically exposed person is a natural person who performs or has performed important functions of public authority and who continues to be exposed to the risks associated with it. The performers of important functions of public authority are:
• the head of state or government;
• a minister and deputy or assistant minister;
• a member of Parliament or a member of a legislative body similar to Parliament;
• member of the governing body of a party;
• a judge of the supreme judicial body of the State or member of the Supreme Court;
• the Auditor General and a member of the supervisory board or management board of the central bank,
• an ambassador, an envoy, or chargé d’Affaires;
• a senior officer of the Defence Forces;
• a member of the management board and administrative or supervisory body of a company controlled by the state;
• the head, deputy head, and member of the governing body of an international organisation. A politically exposed person is also considered to be a family member of such a person (spouse or person considered to be equivalent to the spouse, parent, child, spouse of the child, or person considered to be equivalent to the spouse). A close associate of a politically exposed person is a natural person who:
• is the beneficial owner of a legal person or trust with a politically exposed person;
• has a close business relationship with a politically exposed person;
• is the beneficial owner of a legal person or trust established for the benefit of a politically exposed person.
9. What is a funded pension inquiry? What is a Tax and Customs Board inquiry?
Giving permission to submit an inquiry to the Pension Centre and the Tax and Customs Board and for these authorities to provide us with information about you will speed up the analysis of your application and the making of a credit decision. We use the data received from the Pension Centre to calculate your gross salary. The Tax and Customs Board provides Holm Bank with the following information: declared income (excluding income from the transfer of property); wages and other payments by employers (based on TSD); incapacity for work, unemployment insurance, and redundancy benefits, pensions, contributions to the third pension pillar, funded pension payments (based on TSD); entries made in the employment register (information on the employer and employment relationship); dividends and distributions from equity capital; tax debt from 100 euros. The corresponding data are for up to 12 months prior to the inquiry. We use the obtained data to assess creditworthiness.
10. What is the annual percentage rate of charge?
The annual percentage rate of charge shows the percentage of the actual cost of the loan to the borrower per year, taking into account all known costs that the customer has to pay.
11. Where do I see my contracts?
You can see your contracts from our self-service. Enter self-service here.
12. What is a reference number and a customer account?
The reference number of the Holm small loan contract is the contract number which you can find in the header of your contract. CHANGE: if you have entered into a Holm small loan agreement after 9 December 2020, you will find the reference number in the ‘Loan repayment and making payments’ section of the loan contract and in the payment schedule. This is the reference number of your personal electronic customer account for making payments on new small loan contracts. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also monitor your contracts and accounts in our self-service.
13. When and to which account will my loan amount be paid?
After signing the contract, we usually pay out the loan amount within 1 working day. The loan amount will be transferred to your personal account.
14. How am I identified?
In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment if the total amount of your loans is €15,000 or more. If you are not a citizen of the Republic of Estonia, we might also ask you to identify yourself.
A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.
15. Who can apply for a Holm small loan?
All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 18 years of age can apply for a Holm small loan. Your income must be at least €385 a month and you must not be in arrears.
16. Will I be sent a monthly invoice?
Holm instalments and small loans are paid on the basis of a payment schedule (annex to the contract). Holm does not send a monthly invoice. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also follow the payment schedule in our self-service environment.
17. What is the credit limit for a Holm small loan?
A credit limit is a monetary limit within which you can purchase goods or services. With Holm small loans, it is possible to apply for a maximum of €25,000. Your possible Holm small loan limit will be determined after you submit the application. Fill in the application here.
18. Is a management fee applied to concluding a Holm consumer loan contract?
The monthly management fee starts from €0. The amount of the management fee is reliant on the current terms and conditions and effective campaigns. Please review the terms and conditions in your offer and contract.

Additional information

Pre-contractual information
Price list

The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate of charge is 19,58% on the following sample conditions – loan amount: €4 000; administration fee: €10 per month; contractual fee: €80; repayment period: 48 months; fixed interest rate: 6,9% of loan amount per annum; total amount payable: €5 673,07; net repayments: €5 673,07 ; number of repayments: 48.

Holm Bank AS

Posti 30, 90504 HaapsaluReg. code 14080830VAT EE101970615

Credit institution license

02.04.2019

Customer service

+372 675 5055[email protected]

Data protection

[email protected]

Private customer

Business customer

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