Go on vacation right away! Line of credit for 2 months at 0%
First payment
24 december 2025
All-inclusive Placet credit cards Add Google Pay, Apple Pay, Samsung Pay, and Garmin Pay
Line of credit without contract fee Limit up to 10 000 €. Withdrawals available 24/7
Interest-free limit up to 45 days Apply now and get your credit card today
Do you have an account with Revolut, Paysera, or N26? Get a loan and pay it back using these accounts
Cashback 2% on every purchase? Easy! With a White Credit Card, earn up to 240 € annually
Interest-free loan up to 10 000 € For new customers during the first 6 months
Selected limit:
Open a line of credit today and enjoy a 2-month interest-free period. Your first invoice will be due only after 3 months! No contract or extra fees.

Services

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.

  • Credit card

    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

    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

    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

    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

    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

    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

  1. Choose amount and period
  2. Apply an application
  3. The money will be in your account
Ordering a credit card from Smsraha.ee is easy!

Our customers' feedback

  • I can name at least two important reasons to be an SMSraha client. First - money is transferred to the account very quickly. Second - the Placet Group credit card that earns you 2% cashback!
    Karina N.
  • When doing renovations, unexpected expenses often 'happen'. Fortunately, there's the SMSraha credit account. The money in the credit account came in handy when I needed to do renovations. It's very practical to have spare money in the form of a credit account.
    Timur K.
  • 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!
    Ilona R.
  • You don't necessarily need a car loan to buy a car! You can take a consumer loan from SMSraha. That's exactly what I did. Took a loan and bought a car! Thank you for this opportunity. Now I want to order a Placet Group credit card too!
    Regina A.