ESTO instalments

Purchase your product and pay over time with ESTO instalments – the most low-cost and user-friendly installment loan in Estonia! ESTO instalments offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

Using ESTO instalments at checkout is extremely simple, convenient and fast. Just select suitable period and insert your contact details for a real-time decision – complete your purchase within 60 seconds!

Add products to cart and for payment method select ESTO instalments in check out. Pick a loan period that fits your budget and complete the purchase with digital signing (Mobile-ID, Smart-ID or ID-card signature). Simple as that!

When making a purchase using ESTO instalments you receive the product right away (store ships your order immediately). ESTO instalments can be used for making larger purchases as well as smaller ones.

People, who qualify for ESTO instalments, must remain in the age range of 18-70 years and have an Estonian citizenship.

ESTO instalments conditions:

• Fixed interest rate 9.90%
• Fixed contract fee 0 EUR
• Period up to 4 years

Every financial decision involves risks and obligations, and therefore you are advised to carefully consider the need for using any loan products. Example: with the loan amount of 1500 euros, the loan amortisation period of 12 months, the fixed interest rate of 9.90%, and the fixed contract fee of 0 eur, the annual percentage rate of charge will be 23.16%, the annual instalment amount – 139.68 euros, and the total amount paid by the consumer will be 1676.16 euros. Hire-purchase is administrated and offered by ESTO AS.