Flexible credit up to €15,000

A flexible credit line that lets you withdraw what you need, when you need it. Annual interest rate from 24.99% with Monefit Premium.

Amount used

8500 €
Estimated average monthly payment
386 €

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More flexible than a traditional loan

With Monefit, you get an approved credit limit and withdraw only what you need, when you need it. Use it for renovations, bills or bigger purchases. Repay flexibly each month or clear the full balance early, without penalties or extra charges.

Approved credit limit up to €15,000

- Withdraw only what you need
- Interest applies only to the amount used
- Pay just the monthly minimum or repay more
- Never an early repayment penalty

Interest rate from 24.99%

Choose Monefit Premium for 24.99% interest rate. Get an instant decision and withdraw only what you need, when you need it.

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Instant money transfer

Withdraw money to your bank account instantly, 24/7. You only pay for what you use and can choose how to repay: make minimum monthly payments or repay the full amount with no extra charge.

Whatever works for you.

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Apply, Drawdown, Use, Repay

With a quick application process, and an instant decision, you’ll get fast access to your line of credit, to use as you need. Manage everything in your dashboard, and never miss a repayment.

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Don’t miss a repayment with notifications

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We’re always ready to help - chat to us, or email

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Manage your money in your Monefit dashboard

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Putting dreams within reach

Money to make sure the big moments in your life can happen now, without the wait.

Boring But Important

Every loan is a financial obligation. Before signing the contract, familiarize yourself with the terms of the service and consult with an expert.

We're regulated

Monefit operates on the basis of the credit provider's license issued by the Financial Supervision Authority. Financial services are provided by Monefit Estonia OÜ, license 4.1-1/36.

We lend responsibly

Your investment is diversified into consumer credit agreements carefully vetted by Creditstar Group.

How we lend

Representative example

A credit line of €1,000, total amount paid by the consumer and the amount of repayments €1,216.58, fixed interest rate of 37.85% per annum and APR of 45.89% per annum. The credit cost rate has been calculated on the assumption that the credit line will be used in full and will be repaid in 12 equal repayments at equal intervals from the month after the credit line was put into use.

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Common questions about loans and credit lines

Monefit credit line is a flexible loan that gives you access to an approved credit amount. You can withdraw money when you need it and only pay interest on the amount you use.
With a personal loan, you usually receive the full amount at once and repay it through fixed monthly payments. With Monefit credit line, you get access to credit, choose how much to withdraw, and only pay interest on what you use.
Once your application is approved, you can withdraw money from your available credit. In most cases, payouts can be made on the same day, depending on the time of approval and bank processing times.
No. You only pay interest on the amount you actually withdraw. For example, if you have access to €10,000 but only use €500, interest is calculated on the €500 used.
You can use Monefit credit line for personal expenses such as home repairs, household costs, car-related costs, medical or dental expenses, larger purchases, or unexpected bills.
You repay the amount used through monthly minimum payments. You can also pay more than the minimum or repay the full balance early, without penalties or extra charges.
Yes. You can repay more than the monthly minimum or clear your full balance early at any time, without penalties or extra charges.