Refinance loan

Refinancing a loan is the replacement of an existing loan commitment with a new unsecured loan. By refinancing, you can save money on interest costs, reduce the amount you have to pay each month, consolidate many different loans into one, and get a better overview of your obligations. Refinancing your loan is a good way to pay back costly quick loans you have already taken.

  • 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 refinance loan

The interest rate of the MONEYZEN refinance 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 refinance 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 loan will cost 350,38 € over two years. 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 loan

Compared to quick loans, refinancing loans have a longer maturity and the loan application process is more thorough. It takes a little longer to decide on a refinancing application compared to a quick loan.
Banks also offer refinancing loans, but they might require the borrower to pledge a deposit or a guarantor as collateral.

A refinance loan is a financial obligation that must be repaid with interest and other borrowing costs. Therefore, consider borrowing carefully. Failure to repay the loan on time will increase the cost of your loan, as the lender may also charge interest and penalties on late payments.