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Types of Installment Plans:

  • ESTO 3
  • ESTO Hire-purchase
  • Holm Bank Hire-purchase

    • ESTO 3

    ESTO nomaksa

    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 nomaksa

    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

    ESTO Hire-purchase is provided by the licensed consumer credit company ESTO AS. The annual percentage rate of charge for the hire-purchase credit from ESTO AS is 23.63%, based on the following model conditions: amount of credit 1490 EUR, cost of goods/services 1490 EUR, 0% down payment, fixed interest rate 11.90%, contract 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 within 24 months. Please consult the terms and conditions before signing the contract and, if necessary, consult a specialist. The instalment facility is offered and managed by ESTO AS.

    Holm Bank Hire-purchase

    .

    The General Terms and Conditions of the Holm Bank AS agreement can be found here: www.holmbank.ee.

    Until the approval of the application from by the leasing company, the ordered goods are not reserved in the warehouse.