Loan Conditions – Everything You Need to Know

Luutar offers fast and reliable pawn loan services with clear and transparent conditions. Our goal is to provide clients with the best service and maximum security at every stage. Below you will find key conditions and important details about how to get a loan.

General Conditions

• Interest rate from 0.53% per day.
• Minimum loan term is 5 days, maximum is 35 days.
• The loan period can be extended multiple times by paying interest and storage fees.
• The pledged item is securely stored at Luutar pawnshops for the entire loan period.
• If the pledge is not redeemed on time, it will be sold through Luutar's commission stores.
• Loan amount up to 50–60% of the current market value of the pledged item.
• After the contract expires, you have an additional 7 days to redeem your item.

Borrower Requirements

• The loan is available to individuals 18 years and older, registered in Estonia.
• You must present a valid identity document:
  • ID card
  • Passport
  • Driver’s license
  The document must include an Estonian personal identification code and be issued by Estonian authorities.

Gold and Silver

• The loan amount is based on the current world market price. View price list.
• We accept both intact and damaged gold and silver items – regardless of purity (e.g., scrap gold, jewelry, investment bars, etc.).

Other Collateral Items

In addition to gold and silver, we accept the following items in good or excellent condition:

• Electronics: TVs, mobile phones, desktop computers, laptops, tablets, cameras, gaming consoles, etc.
• Audio & video equipment: music centers, amplifiers, speakers, car stereos, etc.
• Tools: drills, saws, grinders, welding machines, measuring devices, and more.
• Transportation: bicycles, electric scooters.

If you have another item you would like to pledge, feel free to contact us first – we evaluate each request individually!

Special Offer for New Clients

New clients can receive a loan up to 500 euros at 0% interest. A perfect opportunity to try out our service without extra costs!

Why Choose Luutar?

• Parim pandimaja Eestis – the best pawnshop in Estonia with over 20 branches and many years of experience.
• Fast service and transparent conditions.
• Security: all pledged items are insured and protected by G4S security.
• Flexible solutions and a personal approach for each client.

Do you have questions? Call us at 6008505 or request an offer here.