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Holm Bank.Private.Loans.Holm consumer loan

Consumer loan

A consumer loan is a loan that requires no collateral which you can use for a range of things – from something big you have been wanting to buy for a while to unexpected costs. Campaign until July 31, 2026

Loan amount

up to €25,000

Fixed interest rate

7,9%

Contract fee

€0

Contract length

6-120 months

Administration fee

€0

Optional

loan payment protection insurance
Consumer loan

You can use a consumer loan in any way you like to bring your plans to life, however big or small. The interest rate is fixed for the duration of the loan, which means your repayments won’t be affected by fluctuations in Euribor. When entering into your contract, you can choose between a standard and a seasonal repayment schedule.

We make you a personal offer that depends on the amount you’re looking to borrow, the length of your contract and your creditworthiness. You can lodge your application on our self-service site. Weigh everything up and review the terms and conditions of the contract before making your decision. If you have any questions or need advice, contact us.

Loan payment protection insurance

Loan payment protection insurance offers financial support in the event of unforeseen circumstances that may affect your ability to keep up with your loan repayments. Should you face situations such as long-term incapacity for work or unemployment, the insurance helps cover your monthly loan payments.
You can add this insurance to your loan agreement via our self-service. For more information, please visit loan payment insurance page.

Loan payment protection insurance is provided by If P&C Insurance AS.

Loan payment protection insurance

Frequently asked questions

1. Who can apply for a Holm small loan?
All citizens of the Republic of Estonia or people with a residence permit in Estonia at least 20 years of age can apply for a Holm small loan. Your income must be at least €550 a month and you must not be in arrears.
2. 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.
3. What is the credit limit for a Holm small loan?
AA 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.
4. 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.
5. 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.
6. 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.
7. Can I pay more than one instalment in a month?
Yes – the amount overpaid will be an advance on the next instalment(s).
8. 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].
9. 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.
10. Where do I see my contracts?
You can see your contracts from our self-service.
11. 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 by e-mail [email protected].
12. What 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.
13. How am I identified?
To fulfil the due diligence obligations placed on us as a bank, we may ask you to verify your identity via video in Veriff’s environment. To verify your identity, you will need a device with an internet connection and a working camera. Please have your identity document ready and follow the step-by-step instructions shown on the screen. We will send you a personal link for identity verification to your email address.

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 19.79% on the following sample conditions – loan amount: €4,500; contract fee: €67.50; administration fee: 0.99€; repayment period: 48 months; fixed interest rate: 9.40% of loan amount per annum; total amount payable: €6,289.64; net repayments: €6,222.14 ; number of repayments: 48.

Holm Bank AS

Posti 30, 90504 Haapsalu

Business registration code

14080830

Credit institution license

02.04.2019

Customer service

[email protected]

Data protection

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