ESTO financing is a fast and convenient payment solution that builds a repayment schedule based on the period you choose. It makes a decision in real time and lets you complete a purchase in under 60 seconds.

Add the products to your cart, confirm your order, and choose ESTO financing from the payment methods. When confirming, choose a suitable period and monthly instalment, then sign digitally with an ID card, Smart-ID or Mobile-ID.

  • ESTO financing can be applied for by all citizens of the Republic of Estonia aged 18–70.
  • ESTO financing can also be arranged quickly and conveniently for a legal entity.
  • ESTO financing is provided and managed by ESTO AS.

IMPORTANT! Every instalment plan is a financial obligation. Before concluding an instalment contract, read the terms of the service and, if necessary, consult an expert.

Every financial decision carries risks and obligations, so please consider carefully whether you need a credit product. For example, for a loan of €1290 over 24 months, with a fixed annual interest rate of 14.90% and a €0 contract fee, the annual percentage rate of charge is 31.62%, the monthly payment is €70.67 and the total repayable by the consumer is €1696.08. Financing is provided and managed by ESTO AS.

ESTO 3 payment

ESTO 3 is an innovative solution that lets you confirm and pay for a purchase conveniently and quickly — in three equal parts, with no extra fees.

  • Simply three equal payments over three months.
  • No additional fees apply.
  • The first payment is only on the 15th of the next month.
  • ESTO 3 is provided and managed by ESTO AS.

Pay later

Choose ESTO “pay later” to pay for your purchases. Confirm your order in a couple of clicks, receive it, and repay with no extra costs within 30 days.

  • Receive the goods right away and repay on a flexible schedule.
  • No interest, no extra fees, no down payment.
  • “Pay later” is provided and managed by ESTO AS.

What is ESTO?

ESTO is a financial services company founded in 2016. The brand grew out of a need for a new generation of payment solutions suited to both end customers and merchants. Today ESTO offers the widest range of payment solutions in the Baltics, and its partner network includes over 2600 partners and more than 300,000 customers.

Read the terms here: www.esto.ee. If needed, contact an ESTO AS representative at info@esto.ee or via the live chat at www.esto.ee.