Inbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Inbank suits Estonian adults with steady income who want a straightforward fixed rate personal loan. The 2% of loan amount, minimum 50 EUR on top of a rate near the 12.25% median for this category makes it a hard sell on price.

Key facts

Best for
Estonian adults with a good payment history borrowing a modest fixed rate personal loan
Loan amount
€500 to €15,000 (Source, checked September 26, 2026)
Term
12 to 72 months (Source, checked September 26, 2026)
Arrangement fee
2% of loan amount, minimum 50 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 1 business day after signing the loan agreement (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
21+ with good payment history, Estonian citizen or resident, monthly income at least 400 EUR (Source, checked September 26, 2026)
Origination fee (%)
2% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
AS Inbank Finance (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
inbank.ee

Apps and profiles

Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Fixed rate borrowing of €500 to €15,000 over 12 to 72, with same day funding listed
  • A direct lender dealing only in personal loans, so AS Inbank Finance underwrites it
  • Support runs on email, phone and help centre

Cons

  • Free early repayment: no
  • An 2% of loan amount, minimum 50 EUR sits on top of the interest, near a site median of 12.25%
  • The credit check is hard
Inbank

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Estonian citizens and residents who are adults with a good payment history and income above the stated minimum
  • Borrowers who want a fixed rate and 12 to 72 of breathing room
  • People who need money quickly, since payout runs Within 1 business day after signing the loan agreement

Who should look elsewhere

  • Anyone with a thin credit file, because the check is hard
  • Borrowers planning to clear the balance early, since free early repayment: no
  • Anyone outside Estonia, where EE is the home market

How Inbank compares

Where Inbank is available

Available
Estonia
Licence in Estonia
EU banking licence (regulator not named on the page; licence obtained 2015), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Inbank charge to arrange a loan?+

Inbank charges an 2% of loan amount, minimum 50 EUR on the loan. That is separate from the interest on the balance, so the total cost of borrowing is higher than the headline rate alone suggests. Borrowers should weigh the fee alongside the rate before signing.

How much can I borrow from Inbank?+

The lending range is €500 to €15,000, offered over 12 to 72. That covers a small top up through to a mid sized personal loan. Anything larger would need a different lender.

How quickly does Inbank send the money?+

Payout happens Within 1 business day after signing the loan agreement. The same day funding feature is also listed, which lines up with that speed. The clock starts once the agreement is signed, not when the application begins.

Is the Inbank rate fixed or variable?+

The rate is fixed, so repayments stay predictable from month to month. Over a term of 12 to 72 that makes budgeting easier. The trade-off is giving up any gains if market rates fall.

What credit check does Inbank run?+

Inbank runs a hard credit check as part of the application. That kind of check leaves a mark on the credit file even when the application succeeds. Approval is not guaranteed and depends on the file as well as income.

Can I repay an Inbank loan early for free?+

Free early repayment: no. Settling the balance before the agreed end date can therefore cost money. Borrowers who expect their income to rise may want to read the exit terms carefully first.

Who can borrow from Inbank?+

Inbank lends to adults in Estonia who are citizens or residents, with a good payment history and income above its stated minimum. The lender is based in Estonia, so the product is aimed at that market.

Is Inbank regulated?+

Inbank holds an EU banking licence. The licence covers deposits held with the bank up to the usual ceiling, which protects cash on deposit rather than money owed on a loan. Borrowers still owe the full balance on the loan.

How do I get help from Inbank?+

Support runs on email, phone and help centre, so phone, email and a help centre are all available. The help centre suits routine questions, while the phone line handles anything urgent about an existing loan. There is no live chat listed.

How does Inbank compare with cheaper loans?+

Cost is where Inbank is weakest, scoring 2.3 on that part of the picture. Its origination fee adds to the interest, while the site median for personal loans sits at 12.25%. Buyers focused on the cheapest total cost have other options.

Sources

  • inbank.ee checked September 26, 2026

    Backs: Headquarters

    “Niine 11 10414 Tallinn Eesti”

  • inbank.ee/hinnakiri checked September 26, 2026

    Backs: Free early repayment, Origination fee (%)

    “Lepingu ennetähtaegne lõpetamine fikseeritud intressiga Teenuselepingul 1% ennetähtaegselt tagasimakstud krediidi summast, kui krediidi ennetähtaegse tagasimaksmise ja lepingu lõppemise vaheline...”

  • inbank.ee/laen/vaikelaen checked September 26, 2026

    Backs: Legal entity, Loan amount, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Support channels, Term

    “Finantsteenust pakub AS Inbank Finance”

  • inbank.ee/meist checked September 26, 2026

    Backs: Founded, Licences

    “Inbanki asutasid 2010. aastal Tallinnas endised pangandusjuhid Jan Andresoo ja Priit Põldoja”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Related by the facts

Inbank

Inbank

Estonian adults with a good payment history borrowing a modest fixed rate personal loan

8.8/10See alternatives

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