ESTO Credit Line

The service is available only in Estonia.

ESTO Buy Now, Pay Later

ESTO Pay Later (Maksa Hiljem in Estonian) - “Buy now, pay later” - is a new payment method that allows you to pay for your purchase within 30 days.
All you need — with no interest, fees, or upfront payment.

How does it work?

When choosing ESTO Pay Later (Maksa Hiljem in Estonian) as your payment method, you receive the product immediately but pay for it within 30 days.

1. Add the product to your cart
2. Select ESTO Pay Later (Maksa Hiljem in Estonian) as the payment method during checkout
3. You will receive a decision in real time
4. If approved, confirm your purchase
5. You are ready to collect your product
6. ESTO will send you an invoice, which must be paid within 30 days

Financial services are provided by ESTO AS. Before signing the agreement, please review the terms and conditions and consult a specialist if necessary. More information is available at www.esto.eu.

ESTO 3

ESTO 3 is the most popular next-generation payment method that allows you to split the total purchase amount into 3 equal payments.
All you need - with no interest, fees, or upfront payment.

How does it work?

By choosing ESTO 3 as your payment method, you can split the total purchase amount into 3 equal parts to be paid over 3 months, with no additional charges.

1. Add the product to your cart
2. Select ESTO 3 as the payment method during checkout
3. You will receive a decision in real time
4. If approved, confirm your purchase
5. You are ready to collect your product
6. ESTO will send you the first invoice on the 15th of the following month

Financial services are provided by ESTO AS. Before signing the agreement, please review the terms and conditions and consult a specialist if necessary. More information is available at www.esto.eu.

ESTO Installment Payment

ESTO Installment Payment is an innovative payment solution that allows you to split your purchase into monthly payments. Spread the purchase amount over a longer period of time!

How to use ESTO installment payment?

1. Add the product to your cart
2. Select ESTO installment payment as the payment method during checkout
3. Choose a repayment period - from 3 to 60 months
4. Receive a decision in real time
5. If approved, sign the contract online using an ID card, Smart-ID, or Mobile-ID
6. You are ready to collect your product!

ESTO installment payment is offered and managed by ESTO AS. Before signing the agreement, please carefully review the contract terms and consult an ESTO AS representative or another specialist if necessary. The annual percentage rate (APR) of the ESTO AS credit is 23.63% under the following sample conditions: loan amount €1,490, price of goods/services €1,490, down payment 0%, fixed interest rate 11.90%, contract fee €0, total amount payable €1,844.64, assuming repayment over 24 months in equal monthly payments of €76.86.

About ESTO

ESTO is the leading payment solutions provider in the Baltic countries, having revolutionized sales and purchasing processes. ESTO has nearly 500,000 active customers and more than 4,000 partner stores across the Baltics. ESTO’s mission is to help partners sell and customers buy. ESTO offers a wide range of products for both B2B and B2C clients. If you need assistance, please contact an ESTO AS representative at info@esto.ee or visit www.esto.eu.