Buy Now and Pay Later

Don't want to pay the full amount at once? Pay in instalments!

Signing the contract takes 60 seconds.
The first payment is not due until next month.
ESTO will notify you when the payment date is approaching.

ESTO's instalment is a fast and convenient payment solution that helps you create a payment schedule based on the period you have chosen. The payment solution makes a decision in real-time and helps you make a purchase in less than 60 seconds.

Select a product or service, indicate to the customer service representative that you wish to pay with ESTO's instalment, and then confirm your order. When confirming your purchase, choose the period that suits you for the monthly instalment amount and sign digitally with your ID-card, Smart-ID, or Mobile-ID.

What is ESTO? ESTO is a financial services company whose history dates back to 2016. The brand was born from the need for new-generation payment solutions suitable for both the end consumer and the merchant. Today, ESTO offers the widest selection of payment solutions in the Baltics, and the ESTO partner network includes over 2600 partners and stores, and over 300,000 customers.

  • ESTO instalment loans can be applied for by all Estonian citizens aged 18-70.
  • ESTO instalment can be quickly and conveniently signed by legal entities.
  • The instalment loan is offered and managed by ESTO AS.
Apply For a Loan

For terms and conditions visit: www.esto.eu/ee

And if needed, contact ESTO AS at — info@esto.ee or in www.esto.eu/ee LIVE chat-window.

1.

Send request

2.

Inform the customer service representative that you wish to pay with ESTO instalment.

3.

Select the suitable monthly payment amount and the length of the repayment period.

4.

Sign the contract conveniently with Smart-ID or Mobile-ID.

ATTENTION! Every instalment purchase is a financial obligation. Before entering into an instalment agreement, please read the terms of the service and, if necessary, consult an expert.

The annual percentage rate of charge for ESTO AS instalment credit is 23.63% under the following representative conditions: credit amount EUR 1490, cost of goods/services EUR 1490, down payment 0%, fixed interest rate 11.90%, agreement fee EUR 0, total credit amount and total repayments EUR 1844.64 assuming that the credit is repaid within 24 months with equal monthly instalments of EUR 76.86. Familiarize yourself with the terms and conditions before signing the contract, and if necessary, consult with a specialist. The instalment service is offered and managed by ESTO AS.

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