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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.

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

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!

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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.

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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.

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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!

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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.

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Business loan

Unsecured business loan up to 100 000€, 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.

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Applying for a loan takes no more than 10 minutes

Choose amount and period
Apply an application
The money will be in your account

Ordering a credit card from Smsraha.ee is easy!

I recently opened a credit account and can confirm everything written on the website is true - it's convenient and fast. I always have extra money available. Plus, I got a Placet Group credit card with the account, and every purchase earns me 2% cashback!

Angelika V.
I'm a long-time client of Smsraha. I've taken both quick loans and consumer loans multiple times. What do I like? That I don't have to explain what I need the loan for. I haven't taken loans anywhere else but Smsraha for a long time. Need a quick loan? I get it from SMSraha!

Alexey A.
I spent a long time choosing where to open a credit account and decided on SMSraha. I liked that the first 60 days were interest-free when opening an account. My first bill actually came only after 3 months. Also, after withdrawing money from the account, I quickly returned it and the interest on the credit account turned out to be very low. I still use the credit account!

Rina 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.