SEB EE review

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

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Our verdict

SEB EE lends direct in Estonia, with a personal loan APR of 10.64% under the 12% site median and a home loan APRC of 3.66%. It suits borrowers already banking with SEB who want a fixed rate, money the same day and no charge for settling early.

Key facts

Best for
Estonian borrowers who hold an SEB current account and want fixed rate personal or home lending.
APR
10.64% (Source, checked September 26, 2026)
Loan amount
€25,000 to €40,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Arrangement fee
1.5% of loan amount, min 35 EUR (other purposes); 1.5% min 75 EUR for a car; 1% min 75 EUR for property or solar panels; 1% min 50 EUR for home energy efficiency (Source, checked September 26, 2026)
Funding time
Same day, immediately after signing the contract (Source, checked September 26, 2026)
Representative example
Väikelaen (consumer loan): APR 10.64% p.a. on EUR 5,200 with EUR 78 contract fee, fixed interest 8.9% p.a., 37 annuity payments over 37 months (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
Yes (Source, checked September 26, 2026)
Eligibility
An SEB current account must be open for the whole loan period and all income paid into an SEB account (Source, checked September 26, 2026)
Origination fee (%)
1% to 1.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
AS SEB Pank (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
seb.ee

Mortgages

Initial rate
1.4% (Source, checked September 26, 2026)
APRC
3.66% (Source, checked September 26, 2026)
Fixed period
0.5 years (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
€600 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
AS SEB Pank (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInyoutube.com

Pros and cons

Pros

  • APR of 10.64% on the personal loan sits under the 12% site median, and the home loan APRC is 3.66%
  • Money lands Same day, immediately after signing the contract, and same day funding is a listed feature
  • Free early repayment applies, so clearing the balance early carries no charge
  • Help runs on phone, chat and email, so phone, chat, email and a help centre are all open

Cons

  • Eligibility ties the loan to banking at SEB, with an account kept open for the full term and earnings paid in
  • An arrangement fee of 1% to 1.5% of the amount is added, and the home loan adds €600
  • The €25,000 to €40,000 lending range sits above the €3,100.39 typical ceiling, so small sums are not served
SEB EE

Ready to try SEB EE?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Estonian residents who already keep an SEB current account open and pay income into it
  • Borrowers funding home improvement work, the stated use case for these personal loans
  • Home buyers or remortgagors comfortable with a 85% maximum loan to value

Who should look elsewhere

  • Anyone unwilling to hold an SEB current account open for the full term, the eligibility rule on these loans
  • Monzo Flex borrowers, whose rates of 10% to 23% start below this lender's 10.64%
  • Borrowers chasing the cheapest rate listed, since Cashspace ES shows an APR of 0%

The company behind it

SEB EE is AS SEB Pank, with its headquarters in Estonia. Support runs on phone, chat and email, so borrowers can pick up the phone, open a chat, send an email or work through the help centre, and ask about the loan through any of them.

How SEB EE compares

Where SEB EE is available

Available
Estonia

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

Frequently asked questions

What rate does SEB EE charge on a personal loan?+

The published APR is 10.64%, which sits below the 12% site median for personal loans. The rate is fixed, so the interest does not shift with the market while the loan runs, which makes budgeting easier across the term.

How much can I borrow, and over what term?+

The lending range is €25,000 to €40,000 with terms of 6 to 84, and the model is a fixed rate loan paid in annuity payments. That range sits above the €3,100.39 typical ceiling, so smaller sums are not offered here.

What fees come with the loan?+

An arrangement fee of 1% to 1.5% of the loan amount applies, with the minimum set by purpose, and the home loan adds a charge of €600. On a small loan that fixed minimum matters, so the percentage rate is not the whole cost.

How fast is the money paid out?+

Funding is Same day, immediately after signing the contract, so the money can arrive the same day once the contract is signed. Same day payout is a listed feature, and it is listed for 82.9% of lenders here, so speed is not unusual in the market.

Can I repay the loan early without a charge?+

Free early repayment applies, so settling the balance before the end of the 6 to 84 term costs nothing extra on the personal loan. That makes it easier to clear the debt if savings arrive sooner rather than paying the full schedule out.

Who is eligible to borrow?+

Eligibility ties the loan to banking at SEB: the account has to be open throughout the 6 to 84 term and the earnings have to be paid in there. Borrowers who bank elsewhere, or who plan to move income elsewhere, sit outside the rule.

How do I get help from the lender?+

Support runs on phone, chat and email, which covers phone, chat, email and a help centre, so a question can be raised in whichever way suits. Phone is the most common route across lenders on the site at 85%, with email close behind at 79%.

What does SEB EE offer for home loans and remortgaging?+

The home loan carries an initial rate of 1.4% fixed for 0.5, giving an APRC of 3.66% against a 4.9% site median. Maximum loan to value is 85%, and both a purchase and a remortgage are listed purposes.

Sources

  • seb.ee/araklient/laenud/vaikelaen checked September 26, 2026

    Backs: Loan amount, Eligibility, Features, Free early repayment, Funding time, Loan types, Pricing model, Rate type, Representative example, Term, Use cases

    “kuni 25 000 eurot (kui esitad taotluse üksinda); kuni 40 000 eurot (kui esitad taotluse kaastaotlejaga)”

  • seb.ee/eraklient/laenud/kodulaen checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Kodulaenu (home loan) initial cost of credit rate is 3,66% ... loan amount 150 000 euro, term 26 years, contract fee 600 euro”

  • seb.ee/eraklient/laenud/vaikelaen checked September 26, 2026

    Backs: APR

    “Väikelaenu krediidi kulukuse määr on 10,64% aastas järgmistel näidistingimustel”

  • seb.ee/hinnakiri checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “lepingu sõlmimine muudel eesmärkidel 1,5% laenusummast, min 35 eurot”

  • seb.ee/koduleht checked September 26, 2026

    Backs: Lender type

    “Olete finantsteenuseid pakkuvate ettevõtete AS SEB Pank, SEB Life and Pension Baltic SE Eesti filiaal, AS SEB Liising ja AS SEB Varahaldus kodulehel”

  • seb.ee/kontakt checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Aadress: Tornimäe 2, 15010 Tallinn, Eesti Vabariik”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

SEB EE

SEB EE

Estonian borrowers who hold an SEB current account and want fixed rate personal or home lending.

9.2/10See alternatives

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