The easiest way to buy a vehicle You will get an answer to your application in less than a minute, no down payment or comprehensive insurance is required, and the vehicle will immediately belong to you

Please retain all documents regarding purchase and sale, as the bank may request that you present them after 30 days pass following conclusion of the loan contract. If you do not present the required documents within 14 days, the bank has the right to unilaterally change the terms and conditions of the loan contract, increasing the interest rate by the amount stated in the contract. The changes result in application of the contract change fee.

Since the amount of auto24 loan is transferred directly to your settlement account, and you conclude the contract of sale directly with the seller, the vehicle belongs to you as during the effective period of the contract, so after its expiry. Also, you have the right to sell the vehicle during the loan period, if you pay all remaining loan payments.

We recommend to choose a car using our partner portal auto24 which provides the biggest choice of offers in Estonia. If you choose a vehicle from auto24.ee, mototehnika.ee or veetehnika.ee portal, you will instantly see the amount of a monthly payment of auto24 loan next to the ad. By clicking on it you will be able to immediately start completing the application. If you cannot find a suitable vehicle from those portals, you can still apply for a loan on the auto24 car leasing website.

auto24 loan does not require conclusion of a Casco insurance contract. Still, we advise to do that, because such insurance allows to mitigate risks of the most common types of damage, no matter who the responsible party was. Still, the motor third party liability insurance contract must be concluded for the vehicle.

You can apply for auto24 loan for purchase of cars, vans, motorbikes and minibuses. You can find out more about possibilities of additional financing at the address https://www.inbank.ee/vaikelaen/.

The interest rate of auto24 loan can be between 7.9% and 20.9% on the loan balance per year. The exact interest rate depends on the personal offer made to you, which you can review immediately after submitting your application. The loan repayment period is up to 6 years. The interest rate is fixed for the entire loan period, and it is not tied to Euribor. Therefore, you can be sure that the amount of the monthly payment will not change.

The amount of auto24 loan can be between 300 and 15,000 euros. The sale price of the vehicle is not limited - you can buy a vehicle the price of which exceeds the loan amount. We require no down payment.

Yes, the payment date can be changed. In order to do that you must submit a request to address info@inbank.ee. The payment date change fee can be found in the Pricelist of Inbank.

Yes, if necessary you can apply for a grace period. In order to do that you must submit a request to the address info@inbank.ee. Continuous length of one grace period is up to three months. If you want to use a grace period again, all loan and interest payments for the previous three months must be paid. During the effective period of the contract a grace period can be taken not more than two times and for a total length of six months within the period of auto24 loan. An exact length of the grace period and its conditions are established taking the needs and possibilities of the customer into account.

If a loan payment was not transferred to us by the payment due date, we will send a reminder of the payment due date via text message. Delay of payment results in additional expenses, and a late payment penalty is applied to the delayed payment. You can find the fees related to delay of payment in your contract and in the Pricelist of Inbank. If you foresee long-term difficulties with loan payments, please definitely contact Inbank, so that together we could find a flexible solution.

Irrespective of the reasons for difficulties with payments, Inbank wants to meet the needs of its customers in any situation, offering the most flexible solution possible. Therefore, please make sure that you immediately notify us of any difficulties with loan payments. For example, it may be possible to take a grace period or extend the payment period, which will mean lower monthly payments.

We will submit to you monthly invoices which you will find in the Internet bank of your bank. E-mails will be sent for payment from the account which you chose for transfer of the amount of auto24 loan. For convenient payment we recommend to conclude a contract for standing payment service. Invoices are to be paid to the bank account of Inbank in SEB bank. An invoice is considered as paid if it was paid with a correct reference number which you will find in your contract or on your e-invoice.

Inbank calculates interest starting from the transfer of the loan amount. Therefore, the amount of the invoice for the first period may be smaller than the amount stated in the payment schedule.