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.

Loan amount

up to €25,000

Interest rate

from 5.99%

Contractual fee

from €30€0

You can choose between

standard or seasonal repayment schedule

For entire loan duration

fixed monthly payment

Contract length

6-120 months
Consumer loan

Campaign is valid until 30.06.2024

When you apply for a small loan, you can choose between a regular and a seasonal repayment schedule. With a regular repayment schedule, all your monthly payments are the same and are fixed for the duration of the repayment period. With a seasonal repayment schedule, we allow you to take four month’s break (i.e. third of the year) from repaying the principal part of your loan. This means that during the winter months, when utility costs tend to be higher, all you pay is the interest on your loan. The repayment break is offered in November, December, January and February, every year during the entire period of your loan agreement. With both schedules, the interest rate on the loan is fixed: changes in EURIBOR do not affect your repayments.

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 or via our app, where it’s also easy to keep an eye on your contracts. Everything – applying, amending your repayment schedule, paying off your loan early and more – can be done digitally.

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.

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

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.
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.
Yes – the amount overpaid will be an advance on the next instalment(s).
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 info@holmbank.ee.
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 info@holmbank.ee.
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 info@holmbank.ee 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee.
You can also upload your account statement in our self-service environment.
In case of payment difficulties, contact Holm Bank as soon as possible, you can find the necessary guidelines here.
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.
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.
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.
You can see your contracts from our self-service. Enter self-service here.
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.
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.
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.
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 €250 a month and you must not be in arrears.
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.
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.
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.

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 15.21% on the following sample conditions – loan amount: €3 600; contractual fee: €0; repayment period: 44 months; fixed interest rate: 7.78% of loan amount per annum; total amount payable: €4 616.73; net repayments: €4 616.73 ; number of repayments: 44.

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