Installment payment to a private customer

Use ESTO installment payment when paying for products or services – the most affordable, convenient and fastest installment payment link in Estonia!

Add the products to the shopping cart, confirm your order and choose the ESTO installment link from the payment methods. When paying, select the appropriate period, the size of the monthly installment and conveniently sign digitally using an ID card, Smart-ID or Mobile-ID.

In the case of ESTO installments, it is an extremely fast and convenient payment solution that helps you prepare a payment schedule based on the period you choose, i.e. pay in installments. This payment solution makes a credit decision in real time and helps to make a purchase in less than 60 seconds.

ATTENTION! Each installment is a financial obligation. Before concluding an installment agreement, familiarize yourself with the terms of the respective service and, if necessary, consult an expert.

The ESTO installment provider is ESTO AS (reg. code 14180709).

The terms of the ESTO installment payment until 01.11.2022 are as follows:

  • Interest for 6 months 0% (after the sixth month 11.9% interest is added)
  • Contract fee €0
  • Period up to 5 years

All citizens of the Republic of Estonia between the ages of 18 and 70 can apply for an ESTO installment payment. ESTO installment payments can be made quickly and conveniently even for a legal entity.

Every financial decision comes with risks and obligations, which is why we ask you to carefully consider the need to use loan products. For example, in the case of a 799-euro loan with a fixed interest rate of 11.90% per year for 24 months and a contract fee of 0 euros, the APR is 23.65%, the monthly payment is 41.22 euros, and the total amount to be repaid by the consumer is 989.28 euros. The final payment is a financial obligation, and before making a decision, thoroughly familiarize yourself with the terms of the contract and, if necessary, consult with an ESTO AS employee or other expert.

when paying for products or services, use the ESTO 3-part SLICE payment method – split the cost of your shopping cart into three equal payments without paying any additional fees!

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

  • If you pay the cost of your shopping cart in full and on time within three months, no additional fees will be added.
  • The monthly fee is formed by dividing the cost of the shopping cart into three equal parts.
  • All citizens of the Republic of Estonia aged 18-70 can apply for ESTO 3.

Conditions for ESTO 3 payment methods:

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.

The service provider of the ESTO 3-part payment method is ESTO AS.
E-mail: info@esto.ee
Phone: (+372) 622 52 52