ESTO instalment is a flexible payment solution that lets you split your payment into convenient monthly instalments. Spread the purchase amount over a period that suits you. You choose the period and down payment at checkout.
Use ESTO instalment in online stores and in brick-and-mortar shops.
How to use ESTO instalment?
- Contact the customer service representative and let them know you would like to pay with ESTO instalment.
- Choose your preferred period — between 3 and 60 months.
- You receive the decision in real time.
- If the decision is positive, you can sign the contract digitally using your ID card, Smart-ID or Mobile-ID.
ESTO 3 — buy now, pay later
ESTO 3 is an innovative payment method that lets you confirm and pay for your purchase conveniently and quickly — in three equal instalments, with no extra fees!
Let our customer service representative or sales specialist know that you would like to pay using the highly popular ESTO 3 method — in 3 equal parts, with no additional costs.
ESTO 3 lets you split the purchase amount into up to 3 equal parts:
- No additional fees apply.
- Three equal payments spread over three months.
- The first payment is due only on the 15th of the following month.
What is ESTO?
ESTO is the preferred payment solutions provider in the Baltics, making the sales experience for merchants and the buying experience for consumers revolutionarily simple and seamless. ESTO has nearly 700,000 active customers across the Baltics and a network of over 6,000 partner stores. ESTO’s mission is to help partners sell and customers buy.
If you need help, contact an ESTO AS representative at info@esto.ee or visit esto.eu/ee/kliendile-klienditugi.
ESTO instalment is provided and managed by ESTO AS. The annual percentage rate of charge for ESTO AS instalment credit is 23.63% based on the following representative example: credit amount EUR 1490, price of goods/service EUR 1490, down payment 0%, fixed interest rate 11.90%, contract fee EUR 0, total credit amount and total repayments EUR 1844.64, assuming the credit is repaid over 24 months in equal monthly instalments of EUR 76.86. Read the terms carefully before signing the contract and, if needed, consult a specialist. Instalment is provided and managed by ESTO AS.