Installment

ESTO 3 payment method is an innovative solution that allows you to confirm your purchase and pay conveniently and quickly – in three equal installments, with no additional fees!

At the checkout of the online store, choose the highly popular ESTO 3-part payment method to pay for your purchases!

ESTO 3 helps to split your purchase amount into up to 3 equal installments.
 

• No additional fees will be added.
• Simply three equal payments over three months.
• The first payment is due only on the 15th of the following month.

The ESTO 3 payment method is provided and managed by ESTO AS.

WHAT IS ESTO?

ESTO is a financial services company that was established in 2016. The brand was born out of the need for next-generation payment solutions suitable for both end consumers and merchants. Today, ESTO offers the widest selection of different payment solutions in the Baltics, and the ESTO partner network includes over 2,600 partners and stores, as well as more than 300,000 customers.

Read the terms and conditions here: www.esto.ee

If necessary, contact an ESTO AS employee – info@esto.ee or via the www.esto.ee LIVE chat window.

Don’t want to pay the full amount at once? Pay in installments!

ESTO hire-purchase is an extremely fast and convenient payment solution that helps you create a payment schedule based on your chosen period. The payment solution makes a decision in real time and allows you to complete your purchase in less than 60 seconds.

Add the desired products to your cart, confirm your order, and choose ESTO hire-purchase as your payment method. When confirming your purchase, select the period that suits you best, the size of your monthly installment, and conveniently sign the agreement digitally using your ID card, Smart-ID, or Mobile-ID.

• All citizens of the Republic of Estonia aged 18–70 can apply for ESTO hire-purchase.
• ESTO hire-purchase can also be quickly and conveniently arranged for legal entities.
• ESTO hire-purchase is offered and managed by ESTO AS.

ATTENTION! Every hire-purchase is a financial commitment. Before entering into a hire-purchase agreement, please review the terms and conditions of the service and consult an expert if necessary. Every financial decision involves risks and obligations, so please carefully consider your need for loan products. For example, for a loan amount of €1,290 over 24 months with a fixed annual interest rate of 14.90% and a contract fee of €0, the annual percentage rate of charge is 31.62%, the monthly payment is €70.67, and the total amount to be repaid by the consumer is €1,696.08. Hire-purchase is a financial commitment, and before making a decision, please thoroughly review the contract terms and, if necessary, consult an employee of ESTO AS or another expert. ESTO AS offers and manages the hire-purchase service.

Choose ESTO Pay Later to pay for your purchases. Confirm your purchase with just a couple of clicks, receive your order, and pay it back within 30 days with no extra costs!

Be smart and choose ESTO Pay Later for your purchases!

Pay Later is the payment method for smart people – receive your goods immediately and pay back according to a flexible repayment schedule.

Get exactly what you need in just a few clicks – no interest, no extra fees, and no down payment!

The Pay Later payment method is provided and managed by ESTO AS.

WHAT IS ESTO? ESTO is a financial services company established in 2016. The brand was created to meet the demand for next-generation payment solutions suitable for both end customers and merchants. Today, ESTO offers the widest selection of payment solutions in the Baltics, with over 2,600 partners and shops, and more than 300,000 clients in its partner network. See the terms and conditions here: www.esto.ee

If necessary, contact an ESTO AS employee at info@esto.ee or via the LIVE chat window at www.esto.ee.

With Liisi hire purchase, you can pay for your purchases in flexible installments over a longer period. Liisi hire purchase allows you to pay for various products and services in many stores and online shops across Estonia. Please consider your decision carefully and review the contract terms. If you have any questions or would like advice, please contact us.

Hire Purchase Terms:   

• Interest rate from 14.90%
• Contract fee €10
• Down payment €0
• Administration fee €0
• Hire purchase period up to 120 months
• Hire purchase amount up to €25,000

The financial service provider is Holm Bank AS. Please review the contract terms and consult with an expert. The annual percentage rate of charge is 31.50% under the following sample conditions: product price/loan amount €1,000, contract fee €10, period 12 months, fixed interest rate 14.90% per year on the loan amount, total amount payable €1,161.86, total repayments €1,161.86, number of repayments 12.

Montonio Installment: One Application – Multiple Offers
Use Montonio Installment for payments – with a single application, you will receive offers from multiple credit providers.
Add your desired products to the cart and select Montonio Installment as your payment method.
Choose a suitable contract period and fill out the application. Through the installment platform, you will receive financing offers from several credit providers. Review the terms and choose the one that suits you best.
Installment Terms:
Financed amount with installment: €100–€10,000
Period: 3–60 months
Interest rate starting from 9.5% of the principal amount
The provider of the credit intermediation service is Montonio Finance OÜ. The monthly installment for the installment is €12.19 and the annual percentage rate of charge is 31% under the following sample conditions: price of goods/services €250, down payment 0%, interest rate 9.5% of the principal amount per year (fixed), contract fee €9.9, monthly account management fee €0.9, installment period 24 months, payment in monthly annuity installments. The total amount of payments and repayments is €324.06. Consult experts if necessary.

Pay for your purchase later or in up to three equal installments!

Starting from a purchase amount of €25, you can split your shopping cart total over several months – with no interest, contract, or administration fees.
Pay later – You can pay for your order one month later with no extra fees. 0% interest, €0 contract fee, and €0 administration fee.
Pay in 2 installments – Split your payments over two months with no extra fees. 0% interest, €0 contract fee, and €0 administration fee.
Pay in 3 installments – Split your payments over three months with no extra fees. 0% interest, €0 contract fee, and €0 administration fee.
How does it work? – Choose the desired products from the online store – add the products to your cart – proceed to checkout – fill in the required fields – select your preferred payment plan (pay later or in 2-3 installments) – place your order – verify your identity using Mobile ID / Smart ID or ID card – fill in the necessary details – submit your information!