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Types of Installment Plans:

  • ESTO 3
  • ESTO Hire-purchase

    • ESTO 3

    ESTO 3

    ESTO 3 is the most popular new generation payment method. Split the purchase amount comfortably into 3 equal parts. Get exactly what you need without interest, extra fees, or down payment.

    How does it work?
    By choosing ESTO 3 as your payment method, you can divide the total payment into 3 equal parts over 3 months without any fees.

    • Add the necessary products to your cart;
    • Choose ESTO 3 as the payment method at checkout;
    • You will receive a decision in real-time;
    • If the decision is positive, confirm the purchase. ESTO will send you your first invoice on the 15th of next month.

    ESTO 3

    ESTO Hire-purchase

    ESTO Hire-purchase

    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.

    How to pay with an ESTO hire-purchase?

    • Add the necessary products to your cart;
    • Select ESTO hire-purchase as the payment method at checkout;
    • Choose your preferred repayment period ranging from 3 to 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.

    ESTO Hire-purchase

    Please use the services provided by ESTO responsibly, as it is a financial commitment involving financial obligations. Before borrowing money from ESTO, we recommend that you assess your ability to pay your instalments on time and, if necessary, consult with ESTO UAB specialists. Example of standard hire purchase terms: borrowing €410 for a 48-month consumer credit agreement with an annual interest rate of 14.9%, a monthly administration fee of €2.90, a monthly instalment of €16.53, an annual interest rate of 44.26% of the total cost of the consumer credit, and a total payment by the borrower of €793.44. The terms and conditions are subject to change if a different amount is chosen, the term of the contract or the credit score obtained.