ESTO installment – Don’t want to pay the full amount at once? Pay by installments!

Use ESTO installment when paying for your products or services. It is the most affordable, convenient and fastest installment payment in Estonia! Add products to the cart, confirm your order and choose the ESTO installment as the payment method. When paying, select the appropriate period, the amount of the monthly installment, and sign the agreement digitally with the ID card or with the Mobile ID.

The ESTO installment payment is an extremely fast and convenient payment solution that helps you to set up a payment schedule based on the period you have chosen, in other words pay by installments. This payment solution makes a credit decision in real time and helps you make a purchase in less than 60 seconds.

ATTENTION! Every installment is a financial obligation. Before signing a installment agreement, check the terms and conditions of the service and consult with an expert if necessary.

ESTO installment provider is ESTO AS (register code 14180709).

The standard terms and conditions of the ESTO installment are as follows:

  1. Interest from 0%
  2. Contract fee from 0 euros
  3. Period up to 4 years

All 18-70 years old citizens of the Republic of Estonia can apply for ESTO installment. It is also possible for the legal entity to make the  ESTO installment payment quickly and conveniently.

Every financial decision is accompanied by risks and responsibilities, so please consider carefully the need for loan. For example, for a EUR 1500 loan amount of 12 months with a fixed interest rate of 14.90% per annum and a contract fee of EUR 14.90, the annual percentage rate of charge is 34.74%, a monthly payment is EUR 146.37 and a total repayable amount is EUR 1756.68. Installment is a financial obligation and check out thoroughly the terms and conditions of the contract and, if necessary, consult an ESTO AS employee or other experts before making a decision.

ESTO 3-part payment method

Use ESTO’s 3-part SLICE payment method when paying for products or services – don’t add the cost to your shopping cart in three equal payments, without paying any extra!

Add the products to the shopping cart, confirm your order and choose ESTO 3 as the payment method and conveniently digitally sign the Smart-ID, with a mobile ID solution or with an ID card.

  1. If you pay the cost of your shopping cart in full and on time within three months, it will not be added no additional charge.
  2. The monthly fee is formed by dividing the cost of the shopping cart into three equal parts.
  3. All citizens of the Republic of Estonia aged 18-70 can apply for ESTO 3.

Conditions for ESTO 3 payment methods:

  1. Pay in three equal parts within 3 months
  2. 0% with no additional fees

The service provider of ESTO 3 payment methods is ESTO AS.
ESTO 3’s APR is 0% under the following example conditions: 0% interest per year, no fees.
Phone: (+372) 622 52 52