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Smsraha - fast, convenient and beneficial loans
Operating in Estonia since 2009, Smsraha is one of the most recognized local brands, offering a wide range of loans with favorable terms for both new and existing customers. With years of experience and ongoing service development, we provide modern, reliable solutions for individuals and businesses alike.
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Credit card
A credit card means always having funds available for unexpected expenses. With the Black card, you get a personal limit and up to 45 interest-free days every month. The White card gives you at least 2% cashback on every purchase. Use your card in stores, online, or even at ATMs. Want your card today? No problem — pick it up from our office! -
Line of credit
The line of credit works like a virtual credit card, giving you 24/7 access to additional funds. Transfer money to your bank account in just minutes. It’s secure, flexible, and convenient — and interest is charged only on the amount you actually use. -
Consumer loan
Need extra funds for a car, a vacation, or a new computer? Forget separate car or travel loans — our consumer loan can be used however you like. Get an unsecured loan from 500 to 10000 euros, with a repayment term of up to 5 years. -
Quick loan
Need cash quickly? Our quick loan is perfect for covering unexpected expenses or short-term needs — borrow up to 1,000 € and get the money in just minutes. Apply easily and use the funds for anything you need! -
Refinancing loan
Combine your different loans - refinancing merges different loan payments into one, reducing your monthly loan payments. A convenient and affordable solution, so you don’t have to worry about missing loan repayments during busy times. We offer refinancing for payday loans, consumer loans, leasing and installment plans. -
Business loan
Unsecured business loan up to 50 000€, which can be used according to company needs for business operations, equipment acquisition, investment or other purposes. A business loan is a convenient and flexible solution for companies, submit an application and get a response within an hour! The main advantages of Laen.ee business loans are no bureaucracy and quick response to applications.
Applying for a loan takes no more than 10 minutes
- Choose amount and period
- Apply an application
- The money will be in your account
Our customers' feedback
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A friend recommended I get a credit card from SMSraha. She's been using it for almost a year and earns from her purchases. If not for her, I wouldn't have known how convenient it is. You spend - you earn, you spend - you earn. Now I have a Placet Group credit card too and I've already earned €100. It's so nice! Spending money and getting bonuses for it - what could be better? I recommend it!
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I really want to recommend this! When opening a credit account, order the Placet Group credit card too. This card is incredibly convenient and practical. Now I pay only with the credit card!
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Sometimes you just need money to buy something, to spend right now. My experience showed that loans up to €1000 can be repaid easily and quickly. And you have very good offers with no hidden fees. Everything's great!
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I've wanted to take a course for a long time. Didn't have time or money. Fortunately, SMSraha helped out. I got the amount I needed in a very short time and was very satisfied. I even found time to attend the course!
