Installment payment

ESTO installment payment – ​​don't want to pay the entire amount at once? Pay in installments!

ESTO installment payment is a flexible payment solution that allows you to conveniently divide your payment into monthly installments. Conveniently divide the purchase amount over a period that suits you. You can choose the period and payment amount when completing the purchase by selecting ESTO installment payment at the checkout.

Use ESTO installment payment in online stores and physical stores. You can find all ESTO partner stores in ESTO Market: https://esto.eu/ee/esto-market

How to use ESTO installment payment?

  1. Add the necessary products to the shopping cart.
  2. Select ESTO installment payment as the payment method at checkout.
  3. Choose your preferred repayment period between 3-60 months.
  4. You will receive the decision in real time.
  5. If the decision is positive, digitally sign the contract with your ID card, Smart-ID or Mobile-ID.

ESTO installment payment is offered and managed by ESTO AS. The annual percentage rate of credit for ESTO AS installment payment is 23.63% per annum under the following sample conditions: credit amount 1490 EUR, cost of goods/services 1490 EUR, down payment 0%, fixed interest rate 11.90%, contract fee 0 EUR, total credit amount and repayment amount 1844.64 EUR, provided that the credit is repaid within 24 months in equal monthly installments of 76.86 EUR. Before concluding the contract, please read the terms and conditions and consult a specialist if necessary. The installment payment 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 parts, without additional fees!

ESTO3 is the most popular payment method of the new generation. Easily divide the purchase amount into 3 equal parts. Get exactly what you need without interest, premium or down payment.

Use the ESTO 3-part payment method in online stores and physical stores.

You can find all ESTO partner stores in ESTO Market: https://esto.eu/ee/esto-market

How does it work?
By choosing ESTO 3 as your payment method, you can divide the entire payment into 3 equal installments over 3 months without any fees.

  1. Add the necessary products to the shopping cart.
  2. Select ESTO 3 as the payment method at checkout.
  3. You will receive the decision in real time.
  4. If the decision is positive, confirm the purchase.
  5. ESTO will send you your first invoice on the 15th of the following month.

Financial services are provided by ESTO AS. Before entering into a contract, please read the terms and conditions and, if necessary, consult an expert. Additional information www.esto.ee.

Be smart and choose PAY LATER to pay for your purchases.

ESTO Pay Later is a new way to pay for your purchases. The purchase amount remains yours to use, you only have to pay within 30 days. Get exactly what you need without interest, surcharges and down payments.

Use ESTO pay later payment method in online stores and physical stores. You can find all ESTO partner stores in ESTO Market: https://esto.eu/ee/esto-market

How does it work?

By selecting ESTO Pay Later as the payment method, the order will be confirmed immediately, but you do not have to pay immediately, as the payment deadline is in 30 days.

  1. Add the necessary products to the shopping cart.
  2. Select ESTO pay later as the payment method at checkout.
  3. You will receive the decision in real time.
  4. If the decision is positive, confirm the purchase.
  5. ESTO will send you an invoice, which must be paid in full within 30 days.

Financial services are provided by ESTO AS. Before entering into a contract, please read the terms and conditions and, if necessary, consult an expert. Additional information www.esto.ee.

WHAT IS ESTO?
ESTO is the most preferred payment solution provider in the Baltics, making the selling experience for merchants and the shopping experience for consumers revolutionary and seamless. ESTO has nearly 500,000 active customers and over 3,000 partner stores across the Baltics. ESTO’s mission is to help partners sell and customers buy

If you need help, contact an ESTO AS employee at info@esto.ee or visit https://esto.eu/ee/kliendile-klienditugi.

Liisi installment payment

With Liisi installment payment, you can pay for the product over a longer period 
and in installments. If desired, the payment schedule can be changed on an ongoing basis.

LIISI pros:
– Customers of all banks can apply for Liisi installment payments.
– Applying for a license is easy.
– Liisi answers quickly.
– The contract can be concluded in the e-shop, it is also possible to conclude it on site and 
sign the contract digitally.

LIISI installment payment terms:
– Liisi installment payment can be applied for by all Estonian citizens aged at least 18 years. 
– Citizens of the Republic or people with a permanent residence permit in Estonia.
– Contract length from 1 to 60 months.
– There is no minimum purchase amount. The minimum monthly payment is 7 euros.
– Installment interest rate 15.9%.

-Contract fee from €0.
– Liisi üldtingimused https://www.holmbank.ee/tingimused/

NB! The service provider is Holm Bank AS. Every loan is a financial obligation. Consider 
make your decision carefully – read the terms of the loan agreement and, if necessary, 
consult an expert. The annual percentage rate of credit is 32.14% for the following 
sample conditions: cost of goods/service 515€, contract period 12 months, 
fixed interest rate 15.9% of the loan amount per year, contract fee 0€, 
monthly management fee 0€, total payment amount 596.88€ and refund amount 
596,88€.

/ATTENTION! Each installment is a financial obligation. Before signing the installment agreement 
before concluding the contract, please read the terms and conditions of the respective service and, if necessary, 
consult an expert./