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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 credit card is something I've wanted to get for a long time. But not just any card - specifically a credit card that earns from purchases. This is very popular in other countries. Thank you for finally offering a real credit card with 2% cashback!
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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.
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I've tried credit accounts with different companies. Didn't like it. Too bureaucratic. Now I have a credit account with SMSraha because they offered the best terms.
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Very pleasant experience when applying. Loan to account in 15 minutes? I've never seen anything like it before. Thank you for the speed!
