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.
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.
Why choose Holm Bank?
Extensive experience thanks to 350,000 people who have trusted us
Why choose Holm Bank?
A bank based entirely on Estonian capital
Why choose Holm Bank?
We want to support with expert advice and suitable solutions
Why choose Holm Bank?
We offer hire purchase in Estonia in both regular and online stores
Why choose Holm Bank?
The services are accessible online contactlessly, customer support can be contacted via email and telephone
Why choose Holm Bank?
We develop Holm products with people’s needs in mind
Why choose Holm Bank?
We follow the principles of responsible lending
Why choose Holm Bank?
We offer both credit products and fixed-term deposits
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 15.89% on the following sample conditions – loan amount: €3 600; contractual fee: €36; repayment period: 44 months; fixed interest rate: 7.78% of loan amount per annum; total amount payable: €4 652.73; net repayments: €4 616.73 ; number of repayments: 44.
Posti 30, 90504 Haapsalu
14080830