Instalments

ESTO instalments is a flexible payment solution that lets you divide the payment conveniently into monthly instalments. Spread the purchase amount over a period that suits you. You can choose the period and the size of the down payment when placing the order, once you select ESTO instalments at the checkout.

Use ESTO instalments in online shops and in physical stores. You will find all ESTO partner shops in the ESTO Market: https://esto.eu/en/esto-market

How to use ESTO instalments?

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

ESTO instalments are offered and administered by ESTO AS. The annual percentage rate of charge for ESTO AS instalment credit is 23.63% per year under the following example conditions: credit amount 1490 EUR, price of the goods/service 1490 EUR, down payment 0%, fixed interest rate 11.90%, contract fee 0 EUR, total amount of credit and repayments 1844.64 EUR, assuming the credit is repaid within 24 months in equal monthly instalments of 76.86 EUR. Read the terms before entering into the contract and consult a specialist if necessary. The instalment service is offered and administered by ESTO AS.

ESTO 3 is the most popular new-generation payment method. Divide the purchase amount conveniently into 3 equal parts. Get exactly what you need with no interest, no extra fees and no down payment.

Use the ESTO 3-part payment method in online shops and in physical stores. You will find all ESTO partner shops in the ESTO Market: https://esto.eu/en/esto-market

How does it work?

By choosing ESTO 3 as the payment method you can split the whole payment into 3 equal parts over 3 months with no fees whatsoever.

1. Add the products you need to the shopping cart.
2. Choose ESTO 3 as the payment method at the checkout.
3. You get 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 day of the following month.

The financial service is provided by ESTO AS. Read the terms before entering into the contract and consult a specialist if necessary. More information at www.esto.ee.

ESTO Pay later is a new way to pay for purchases. The purchase amount stays with you and you only have to pay within 30 days. Get exactly what you need with no interest, no extra fees and no down payment.

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

How does it work?

When you choose ESTO Pay later as the payment method, the order is confirmed immediately, but you do not have to pay right away, because the payment deadline is 30 days later.

1. Add the products you need to the shopping cart.
2. Choose ESTO pay later as the payment method at the checkout.
3. You get 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.

The financial service is provided by ESTO AS. Read the terms before entering into the contract 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 the selling experience for merchants and the buying experience for consumers revolutionarily simple and smooth. ESTO has almost 500,000 active customers across the Baltics and over 3,000 partner shops. ESTO’s mission is to help partners sell and customers buy.

If you need help, contact an ESTO AS employee at or visit https://esto.eu/en/customer-support.