Car loan

A car loan is an unsecured consumer loan intended for the purchase of a car or to cover expenses related to a means of transport. You can also use the loan to repair your car, buy tyres, get regular maintenance or buy a motorbike, boat, ATV or other vehicle.

  • easy online application process
  • loan amount up to 10 000 €
  • period up to 3 years
  • reasonable interest rate fixed for the whole loan period
  • no collateral required
  • immediate loan payout


1800 €
500 € 10000 €
36 months
3 months 36 months

Monthly payment

65,99 €

The calculation is approximate. Loan conditions may vary depending on personal creditworthiness. A personalised offer will be sent after the loan application has been submitted.

Advantages of the MONEYZEN consumer loan

Compared to car leasing:

  • you can register the car immediately in your own name
  • no compulsory casco insurance
  • no down payment obligation
  • you can also cover the additional costs of buying a car (e.g. insurance, minor repairs, etc.)


The interest rate of the MONEYZEN renovation loan is determined by an automatic low bidding process among investors and can be therefore more favourable than similar offers from competitors.

We offer unsecured consumer loans of up to 10 000 € for up to 3 years.


Borrowing 1 000 € for 2 years at a fixed annual interest rate of 21,52% and a monthly payment of 54,64 €, the annual percentage rate is 36,91%. The total amount to be repaid over the entire duration of the loan is 1 350,38 €, of which 239,38 € is interest payments, 72 € loan management fee, 30 € contract fee and 9 € ZenFund payment. The contract fee and the ZenFund payment are payable immediately after the disbursement of the loan. The conditions offered to you depend on your individual situation, with a maximum annual percentage rate of 45,93%. Be sure to read the loan guide and the general conditions and, if necessary, ask an expert for advice.

Who can apply?

MONEYZEN allows Estonian residents aged 18-73 years old to take out a loan if they have at least 450 € of official monthly income in their bank account. We offer easy and fast unsecured loans from 500 € to 10 000 € with repayment periods from 3 months to 3 years.

In case you need help to repay a high interest SMS loan or a quick loan, apply for a consumer loan on the MONEYZEN platform. Based on the loan application submitted, MONEYZEN will tailor a personalised loan offer just for you, based on the investors’ offers.

Suggestions before applying for a car loan

Compared to a quick loan taken to finance a car purchase, a car loan has a longer repayment period and does not carry the comprehensive insurance obligation that banks require for car leases, which can be a significant additional cost.

A car loan is a financial obligation that has to be repaid with interest and other borrowing costs. Carefully consider the borrowing process. Failure to pay the loan on time will increase your costs, as lenders charge both interest and penalties for late payments.