How this list is built
A small process on this server opens three Estonian comparison pages, copies the lender names and published figures it can read, and keeps the last good snapshot if a site is briefly unreachable. The page you are on asks that process for JSON. We do not take an application, we do not score you, and we do not send you to an affiliate tracker.
The pages for this version are Kreeu’s väikelaen table, Finantsvaade’s provider cards, and E-Seif’s comparison table. Rows for the same lender are merged; the copy with more numbers wins, then the rest of the fields are filled in from the others. The link on each row goes back to the hub we read, plus a first-party page for the lender when we know one.
The list refreshes on its own about every six hours. A source marked stale is yesterday’s copy of that hub, not an empty hole. Product names stay as the hubs published them.
What KKM means here
KKM is krediidi kulukuse määr: the annual percentage rate of charge. Estonian consumer-credit ads have to show it because it folds in interest, the contract fee, and the monthly admin fee. The “from” interest in an ad is the best advertised rate, not the rate most people get.
We rank rows by published KKM, lowest first, then by advertised interest. Missing KKM sinks to the bottom. The monthly column on this page is an annuity from the example amount and term you type, using advertised interest when we have it, otherwise KKM. It is an estimate, not a quote, and it ignores fees that sit outside the rate.
Pages we read
Kreeu — bank-heavy väikelaen table, including contract and admin fees. Finantsvaade — a mix of banks and credit firms, often with amount and term only. E-Seif — credit-firm table with KKM ranges and payout notes.
We are not a krediidiandja or a credit broker. If you run one of those hubs or lenders and want a row taken down, write to the address on the contact page.
Questions about the list
Is this a loan offer?
No. It is a copy of figures that comparison sites already publish. A lender will run its own credit check. The number that matters is the KKM on the contract they send you.
Why is a bank cheaper than a credit firm?
Banks on these pages publish KKM around the mid-teens; many credit firms sit near the Eesti Pank cap. That is the market, not a ranking we invented. Always read the representative example on the lender site.
Do you earn money from these links?
Not in this version. Source links open the comparison page we copied. Lender-site links go to the firm’s own domain when we know it. If a paid placement is added later, it will be labelled and the privacy page will change first.
How often does the list update?
About every six hours. If a hub fails, the last good copy for that hub stays up and is marked stale. The time at the top of the list is when the snapshot was written.
Can I get a loan with a payment default?
We cannot say. Estonian lenders have to check ability to pay. A live default usually means an unsecured small loan is refused. Do not trust anyone who promises otherwise.