Your line of credit whenever you need it

- Borrow up to €10K
- 30 days interest free
- Quick decision and payout
- Affordable and flexible monthly payments

Get the credit you deserve

A flexible line of credit with no hidden fees and fair repayment terms.

Money when you need it

Available in:

- Estonia
- Spain
- Sweden
- Czech Republic

Coming soon:

- Poland
- Denmark

Quick & easy

Get an instant decision, and then draw down the money you need, when you need it.

Affordable & flexible

Repay based on what you’ve borrowed, make minimum monthly payments, or repay the full amount with no extra charge. Whatever works for you.

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.

Don’t miss a repayment with notifications

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

Manage your money in your Monefit dashboard

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.

Did we miss something?

What's the application process for CreditLine?

You first need to create an account on the Monefit website, which takes a few moments. Then, if you're applying for a line of credit for the first time, the first step is a digital identity check to make everything secure and easy. If you already have a Monefit account and you've used CreditLine before, simply fill in our short application to request an additional amount.

How soon do I have to pay the used credit amount?

When you take out a credit line, you will be on a repayment schedule consisting of monthly decreasing minimum payments. If you make a repayment that is higher than the monthly minimum payment schedule, we will issue you with an updated monthly minimum payment schedule the following month.

What is the minimum monthly payment for the line of credit?

The minimum monthly repayment amount varies depending on the principal balance of the credit available, being either 3% or 8%. Interest is also added.