Buy now and pay later,

select ESTO as an afterthought


Add products to cart


Choose from ESTO instalment payment methods


Choose the right monthly repayment amount and length of repayment period


Conveniently sign the contract with Smart-ID or Mobile ID

Don’t want to pay the full amount at once? Pay by instalments!

ESTO instalments are a very fast and convenient payment solution that helps you set up a payment schedule based on the period you choose. The payment solution makes the decision in real time and helps you complete your purchase in less than 60 seconds.

Add the right products to your shopping cart, confirm your order and select ESTO hire purchase as payment method. When confirming your purchase, choose the period and monthly instalment amount you want and digitally sign your card using your ID card, Smart-ID or Mobile-ID.

  • All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO instalment.
  • ESTO instalments can also be made quickly and conveniently for legal persons.
  • ESTO hire purchase is offered and managed by ESTO AS.

NOTE! Every instalment is a financial commitment. Before signing a hire-purchase agreement, read the terms and conditions of the service and consult a professional if necessary. ESTO AS instalment credit interest rate is 23.63% per annum under the following sample conditions: amount of credit 1490 EUR, cost of goods/services 1490 EUR, deposit 0%, fixed interest rate 11.90%, contractual fee 0 EUR, total amount of credit and repayments 1844.64 EUR, assuming that the credit is repaid in equal monthly instalments of 76.86 EUR over 24 months. Check the terms and conditions before signing a contract and consult a specialist if necessary. Post-paid services are provided and managed by ESTO AS.

WHAT IS ESTO? ESTO is a financial services company that dates back to 2016. The brand was born out of the need for a new generation of payment solutions, suitable for both the end consumer and the merchant. Today, ESTO offers the widest range of payment solutions in the Baltics, and its partner network includes more than 2,600 partners and stores and over 300,000 customers.

Check the conditions here:

If necessary, contact an ESTO AS employee –
LIVE chat window.

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