ESTO Hire Purchase – Don’t want to pay the full amount at once? Pay in instalments!

ESTO hire purchase is a flexible payment solution that allows customers to split their purchase into convenient monthly instalments. Choose the repayment period and down payment amount during checkout when selecting ESTO hire purchase.

Use ESTO hire purchase in both online stores and physical shops. All ESTO partner stores can be found on ESTO Market: https://esto.eu/ee/esto-market

How to use ESTO hire purchase?

1. Add the products you need to your shopping cart.

2. Choose ESTO hire purchase as the payment method at checkout.

3. Select your preferred repayment period between 3–60 months.

4. Receive the decision in real time.

5. If approved, sign the agreement digitally using ID-card, Smart-ID or Mobile-ID.

ESTO hire purchase is provided and managed by ESTO AS. The annual percentage rate of charge (APR) for ESTO hire purchase is 23.63%, based on the following sample conditions: credit amount €1490, cost of goods/services €1490, down payment 0%, fixed interest rate 11.90%, contract fee €0, total credit amount and total repayments €1844.64, assuming the credit is repaid over 24 months in equal monthly instalments of €76.86. Review the terms before signing and consult a specialist if needed. Hire purchase is provided and managed by ESTO AS.

ESTO 3 is an innovative payment solution that allows you to confirm the purchase and pay conveniently in three equal instalments, with no extra fees!

ESTO 3 is the most popular next-generation payment method. Split your purchase into 3 equal payments. Get exactly what you need without interest, extra fees or a down payment.

Use the ESTO 3 payment method in both online stores and physical shops.
All ESTO partner stores can be found on ESTO Market: https://esto.eu/ee/esto-market

How does it work?

When choosing ESTO 3 as your payment method, you divide the total payment into 3 equal instalments over 3 months with absolutely no fees.

1. Add the products you need to your shopping cart.

2. Choose ESTO 3 at checkout.

3. Receive the decision in real time.

4. If approved, confirm your purchase.

5. ESTO will send you the first invoice on the 15th of the following month.

The financial service is provided by ESTO AS. Before signing an agreement, review the terms and consult a specialist if necessary. More information at www.esto.ee.

Be smart and choose ESTO Pay Later for your purchases!

ESTO Pay Later is a new way to pay for your purchases. The purchase amount remains available to you, and you only need to pay after up to 30 days. Get exactly what you need with no interest, no fees and no down payment.

Use ESTO Pay Later in online stores and physical locations. All ESTO partner stores can be found on ESTO Market: https://esto.eu/ee/esto-market

How does it work?

When selecting ESTO Pay Later at checkout, your order is confirmed immediately, but you don’t have to pay right away — the due date is 30 days later.

1. Add the products you need to your shopping cart.

2. Choose ESTO Pay Later at checkout.

3. Receive the decision in real time.

4. If approved, confirm your purchase.

5. ESTO will send you an invoice that must be paid in full within 30 days.

The financial service is provided by ESTO AS. Before signing an agreement, review the terms and consult a specialist if necessary. More information at www.esto.ee.

WHAT IS ESTO?
ESTO is the preferred payment solutions provider in the Baltics, making merchant sales and consumer shopping experiences exceptionally simple and seamless. ESTO has nearly 500,000 active clients and over 3,000 partner stores across the Baltics. ESTO’s mission is to help partners sell more and customers buy more easily.

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