Kersti Heinloo (born September 26, 1976) is an Estonian stage, film and television actress who began her career in radio. Born in Tartu, Kersti Heinloo received her secondary education at the Pärnu Koidula Gymnasium, graduating in 1994.

From 1995 until 1996, she studied radio direction at the Tallinn Pedagogical University (now, Tallinn University) before applying and being accepted to the performing arts department of the Estonian Academy of Music and Theatre in Tallinn, where she graduated from in 2000. Among her graduating classmates were actors Maarja Jakobson, Margus Prangel, Eva Püssa, Katrin Pärn, Tambet Tuisk, Piret Simson and directors Urmas Lennuk, Tiit Ojasoo and Vahur Keller. From 2005 to 2006, she took a one-year course in motion picture production at the Brighton Film School in the U.