Don’t want to pay the full amount at once? Split your purchase into easy installments!

ESTO installment payment is an innovative payment solution that helps you create a payment schedule based on the period you choose. The payment solution makes decisions in real time.
Add the desired products to your shopping cart, confirm your order, and select ESTO installment payment as your payment method. When confirming your purchase, select the period that suits you, the monthly installment amount, and sign digitally using your ID card, Smart-ID, or Mobile-ID.
  • All citizens of the Republic of Estonia aged 18-70 are eligible to apply for ESTO hire purchase.
  • ESTO hire purchase can also be arranged quickly and conveniently for legal entities.
  • ESTO hire purchase is offered and managed by ESTO AS.
ATTENTION! Every installment payment is a financial obligation. Before concluding an installment agreement, please read 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 with a fixed interest rate of 14.90% per annum for 24 months and a contract fee of €0, the annual percentage rate is 31.62%, the monthly payment is €70.67, and the total amount repayable by the consumer is €1,696.08. Hire purchase is a financial obligation, so before making a decision, carefully review the terms and conditions of the agreement and, if necessary, consult with an ESTO AS employee or other expert. Hire purchase is offered and managed by ESTO AS.

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

Choose the extremely popular ESTO 3-part payment method at the e-store checkout to pay for your purchases!
ESTO 3 helps you divide the purchase amount into up to 3 equal parts.
  • No additional fees will be charged.
  • Just three equal payments over three months.
  • The first payment will be made on the 15th of the following month. 
  • ESTO 3 payment method is provided and managed by ESTO AS.

Be smart and choose ESTO Pay Later to pay for your purchases!

Choose ESTO Pay Later to pay for your purchases. Confirm your purchase with just a few clicks, receive your order, and pay back within 30 days without any additional costs!
Pay later is a smart payment method – receive your goods immediately and pay back according to a flexible repayment schedule.
Purchase exactly what you need with just a few clicks – no interest, no additional fees, and no down payment!
Pay Later is offered and managed by ESTO AS.
WHAT IS ESTO? ESTO is a financial services company that was founded in 2016. The brand was born out of a need for a new generation of payment solutions that would be suitable for both end consumers and sellers. Today, ESTO offers the widest range of payment solutions in the Baltics, and the ESTO partner network includes over 2,600 partners and stores and over 300,000 customers. Read the terms and conditions here: www.esto.ee
If necessary, please contact an ESTO AS employee at info@esto.ee or www.esto.ee LIVE chat window.