Esto instalments
ESTO instalments
Do not want to pay the whole amount at once? Pay in instalments!
ESTO instalments are an innovative payment solution that builds a payment schedule over the period you choose. The decision is made in real time and the purchase can be completed in under 60 seconds.
Choose a product or service
Add the product or service you want to the cart and go to checkout.
Choose Esto as the payment method
Indicate that you want to pay with ESTO instalments and confirm your order.
Sign digitally
Choose a suitable period and monthly instalment, then sign using ID-card, Smart-ID or Mobile-ID.
Who can use instalments?
- ESTO instalments can be applied for by all citizens of the Republic of Estonia aged 18–70.
- Instalments can also be arranged quickly and conveniently for a legal entity.
- ESTO instalments are provided and administered by ESTO AS.
Every instalment plan is a financial obligation. Before signing an instalment agreement, read the terms of the service and consult a specialist if needed.
Example terms
The annual percentage rate of charge for ESTO AS instalments is 23.63% under the following example terms: credit amount €1490, price of goods/service €1490, down payment 0%, fixed interest rate 11.90%, contract fee €0, total amount of credit and repayments €1844.64, assuming the credit is repaid over 24 months in equal monthly instalments of €76.86.
What is ESTO?
ESTO is a financial services company founded in 2016. The brand grew out of the need for a new generation of payment solutions that work for both the end customer and the merchant. Today ESTO offers the widest range of payment solutions in the Baltics, and its partner network includes over 2,600 partners and stores and more than 300,000 customers.
Read the terms →