Frequently asked questions

All citizens of the Republic of Estonia and individuals living in Estonia on the basis of a residence permit or right of residence who are at least 18 years old can apply for a loan from Mogo.

Estonian juridical persons can also apply.

Submit the application and we will make you an offer within 30 minutes. If the answer is positive, the contract can then be concluded digitally (if you have an ID card or Mobile ID) or by visiting a suitable Mogo service point. After concluding the contract, register the vehicle in the name of Mogo OÜ at the Road Administration Office (or through their e-service) and become the responsible user of the vehicle. Notify Mogo upon completing all the paperwork. We will transfer the money to your account and you can continue driving your car.

To draw up a loan Agreement the document for identification is required: a passport of the Republic of Estonia, an alien's passport (so-called gray passport), an ID card, a driving license or a residence permit. The residence permit or the right of residence must be valid for at least 6 more months.

The document is also required at the Road Administration Office.

Yes, you can. Until the end of the contract term the owner of your car is Mogo OÜ and you are the responsible user.

The execution of a traffic insurance policy is mandatory after the registry operations have been performed by the Road Administration (upon writing the vehicle in the name of Mogo). Casco insurance is not obligatory.

Pay your monthly installments according to the payment schedule specified in the contract. You can pay at our customer service point by card payment as well as by bank transfer using one of the following accounts:

Payment receiver Mogo OÜ

LHV Pank EE497700771001386285

SEB Pank EE911010220221503224

Add the contract number to the explanation field.

Tartu and Tallinn branches accept cash as well.

If the bank payment is internal, you will receive the money within a few minutes. In the case of interbank payments, the speed of bank transfers depends on the payee's bank.

Yes, sure! For private individuals early repayment of the loan is free of charge.

Should you find yourself in such a situation, please contact us and we will try to find a solution together.

Contact Mogo’s Customer Service and inform us of your wish to sell the vehicle. We will then send you the final invoice. Once the final invoice has been paid, we will sign the final act, on the basis of which you will be able to register the vehicle in the name of the buyer.

After the loan repayment, the final act must be signed, either digitally or at a Mogo’s service point. Afterwards you will be able to register the vehicle in your own name.

Yes, please let us know, if you change your contact details via email (info@mogo.ee) or via phone (+372 6 888 200).

The normative acts of the law of the Republic of Estonia concerning contracts, concluded by means of communication and consumer credit, which regulate the rights and obligations of the parties.

All costs related to the contract shall be borne by the Borrower. Registration costs 61 euros in the Road Administration Office, and 48 euros if done through the e-service (according to the price list of the Road Administration).