ESTO hire-purchase is a flexible payment solution that allows you to split your payment into convenient monthly installments. Spread the purchase amount over a period that suits you the best. You can choose the period and the down payment amount when completing your purchase by selecting ESTO hire-purchase at checkout.
Use ESTO hire-purchase in online stores and physical shops. You can find all ESTO partner stores in the ESTO Market.
How to pay with an ESTO hire-purchase?
- Add the necessary products to the shopping cart.
- Select ESTO hire-purchase as the payment method at checkout.
- Choose your preferred repayment period between 3-60 months.
- You will receive a decision in real-time.
- If the decision is positive, digitally sign the agreement using your ID card, Smart-ID, or Mobile-ID.
The hire purchase service is offered and regulated by ESTO AS. The annual percentage rate for the hire purchase of ESTO AS is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly installments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.
ESTO 3 is the most popular new generation payment method. Conveniently divide the purchase amount into 3 equal parts. You can buy everything you need, without interest, surcharges and down payments.
Use the ESTO 3-part payment method in e-shops and physical stores.
You can find all ESTO partner shops on ESTO Market.
How does it work?
By choosing ESTO 3 as your payment method, you can divide the entire payment into 3 equal installments over 3 months without any fees.
- Add the products you need to your shopping cart.
- Choose ESTO 3 as your payment method at the checkout.
- Get the decision in real time.
- If the decision is positive, confirm the purchase.
- ESTO will send you the first invoice on the 15th of the following month.
ESTO Pay later is the new way to pay for your purchases. You keep the purchase amount, you only have to pay within 30 days. This way you can buy exactly what you need by paying 30 days ahead, without interest, surcharges or deposits.
Use ESTO Pay later in e-shops and physical stores.
You can find all ESTO partner shops on ESTO Market.
How does it work?
By selecting ESTO Pay Later as the payment method, the order will be confirmed immediately, but you do not have to pay immediately, as the payment deadline is in 30 days.
- Add the products you need to your shopping cart.
- At the checkout, choose ESTO pay later as your payment method.
- Get the decision in real time.
- If the decision is positive, confirm the purchase.
- ESTO will send you an invoice, which must be paid in full within 30 days.
The financial service is provided by ESTO AS. Before you sign a contract, you should read the terms and conditions and, if necessary, consult a professional. For more information, visit www.esto.eu.
WHAT IS ESTO?
ESTO is the most preferred payment solution provider in the Baltics, making the selling experience for merchants and the shopping experience for consumers revolutionary and seamless. ESTO has nearly 500,000 active customers and over 3,000 partner stores across the Baltics. ESTO’s mission is to help partners sell and customers buy.
If you need help, contact an ESTO AS employee at info@esto.eu or visit the ESTO website.