Buy now, pay conveniently in instalments

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.

ESTO Hire Purchase

Calculate your monthly payment

Choose a suitable repayment period in the calculator and see the estimated monthly payment.

Choose your preferred repayment period ranging from 3 to 60 months.

To apply, add the desired products to your cart and select ESTO hire-purchase as the payment method at checkout.

ESTO hire-purchase benefits

1

Flexible repayment period

Choose your preferred repayment period ranging from 3 to 60 months.

2

Choose your down payment

You can choose the down payment amount when completing your purchase.

3

Real-time decision

You will receive a decision in real-time.

4

Digital agreement

If the decision is positive, digitally sign the agreement using your ID card, Smart-ID, or Mobile-ID.

How to pay with an ESTO hire-purchase?

1. Add the necessary products to your cart.
2. Select ESTO hire-purchase as the payment method at checkout.
3. Choose your preferred repayment period ranging from 3 to 60 months.
4. You will receive a decision in real-time.
5. If the decision is positive, digitally sign the agreement using your ID card, Smart-ID, or Mobile-ID.

Hire-purchase example conditions

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.

What is ESTO?

ESTO is the preferred payment solution provider in the Baltics, revolutionizing the sales experience for merchants and the purchasing experience for consumers by making it exceptionally easy 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 assistance, contact ESTO AS at [email protected].