Financing

Inbank car loan and car leasing
In cooperation with Inbank, we offer you a service aimed at making buying and owning a car as
convenient as possible. You can spread the monthly payments over a period of up to 6 years, with no
down payment or comprehensive insurance required, and the car immediately belongs to you.
Car loan can be taken to any car from Estonian market.

Benefits of a car loan:

  • The car immediately belongs to you
  • Voluntary comprehensive insurance
  • No mileage limit
  • At the end of the contract, the period for paying the residual value can be extended
  • There is no restriction on the age of the car

Car loan terms:

  • Amount 1000 - 15 000€
  • Down payment 0%
  • Period 12 - 72 months
  • Interest rate 6.9% of the purchase amount
  • Contract fee 1.5%
  • Administration fee 0.15% per month

Example:

The cost rate of the Inbank car loan is 15.61% per annum under the following sample conditions: price of the
object of the contract when paid immediately (net price) 5000 euros, loan amount 5000 euros, down payment
0 euros, contract period 60 months, annual fixed interest rate 7.5% of the purchase amount, contract fee 0
euros, monthly management fee 2.90 euros. Monthly fee total 117.94 euros. The total repayable loan amount is 7,076.40 euros. The financial service is provided by AS Inbank Finance. Before concluding the agreement,
read the terms of the financial service and, if necessary, consult with a professional.

Car leasing terms:

  • Amount 15 000 - 30 000 €
  • Down payment 0%
  • Period 12 - 72 months
  • Interest rate 6.9% of the purchase amount
  • Contract fee 2%
  • Administration fee 0.2% per month
Car leasing can be taken to any car from Estonian market. 
Example:

The cost rate of the Inbank car leasing is 18.31% per annum under the following sample conditions: leasing
amount 17 000 euros, number of instalment payments 60, interest rate 6.9% of the purchase amount, contract
fee 2% of the financing amount, monthly management fee 0.2%. Monthly fee total 422.12 euros. The total
repayable loan amount is 25 327.20 euros. The financial service is provided by AS Inbank Finance. Before
concluding the agreement, read the terms of the financial service and, if necessary, consult with a professional.

Inbank hire purchase

Inbank hire purchase allows you to split a large one-time expense into small monthly payments.
Spread the purchase sum over up to 5 years. The first payment is due only a month later.

Advantages of Inbank hire purchase:

• Flexible solution for large expenses
• You choose the instalment amount
• You choose the instalment payment period
• You choose the payment date
• Response to an application within a minute

Financing terms:

  • Financing amount 100 - 10 000 €
  • Period 12 - 60 months
  • Interest rate 9,9%
  • Down payment 0%
  • Contract fee 15 €
  • Administration fee 1.90 € per month

The cost rate of the Inbank hire purchase is 20.12% per annum under the following sample conditions: price of
the object of the contract when paid immediately (net price) 5000 euros, loan amount 5000 euros, down
payment 0 euros, contract period 48 months, annual fixed interest rate 9.9% of the purchase amount, contract
fee 15 euros, monthly management fee 1.90 euros. Monthly fee total 148.18 euros. The total repayable loan
amount is 7,112.64 euros. The financial service is provided by AS Inbank Finance. Before concluding the
agreement, read the terms of the financial service and, if necessary, consult with a professional.

Indivy – pay the next month, no hidden costs!
Take more time for your payment. Indivy gives you the option to pay for goods or services the next
month. Buy today and pay on the 25 th of the next month.
  • Amount 30 - 800 €
  • Down payment 0 €
  • Interest rate 0%
  • Contract fee 0 €
  • Administration fee 0 €
  • The cost rate of the credit 0%
  • Pay the purchase amount by the 25 th day of the next month
Indivy – pay in 3 parts, no hidden costs!
Payment in instalments is a convenient way to buy goods and services. We will divide the purchase
amount into three equal parts. The first payment comes a month later.

Paying in parts is very easy and quick:

  • Period of payments 3 months
  • Amount 75 - 2500 €
  • Down payment 0 €
  • Interest rate 0%
  • Contract fee 0 €
  • Administration fee 0 €
  • The cost rate of the credit 0%
You will receive an answer to your application immediately.

Why use Indivy?
• Indivy is an innovative payment solution that will help you pay for purchases with even
greater convenience.
• Indivy gives you the option to pay for the entire purchase in the next month or divide the
purchase amount into 3 equal instalments – easy and with no additional expenses.
• Indivy is the smart way to get everything you need right away without sacrificing choice.
• Indivy is always free – there are no interest, contract fees or down payments.
Indivy payment solution is offered by Inbank.