ELKOR offers the possibility of purchasing goods by installments using ESTO or Holm Bank AS. After confirming your order, you will be redirected to the installment form filling page on the ESTO or Holm Bank AS homepage.

С The General Terms and Conditions of the Holm Bank AS agreement can be found here:

ESTO instalment payment

With ESTO hire-purchase, you can pay for the purchase for a longer period in instalments using ESTO. Purchase your product and pay over time with ESTO AS – the most low-cost and user-friendly installment loan in Lithuania! ESTO leasing offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

Using ESTO leasing at checkout is extremely simple, convenient and fast:

  • Just select suitable period and insert your contact details for a real-time decision;
  • The response to your hire-purchase request will arrive in minutes;
  • You have the opportunity to have a grace period;
  • You complete the purchase with digital signing (Mobile-ID, Smart-ID or ID-card). Simple as that!

ESTO leasing conditions:

  • Credit amount up to 10 000 EUR;
  • Contract fee from 0 EUR;
  • Interest rate from 0%;
  • The length of the contract up to 48 months;
  • You must be 18-70 years old and have a Estonian citizenship.
ELKOR hire-purchase

Installment loan is provided by ESTO AS. Review the terms and conditions at and consult with our expert. The installment loan is a financial obligation. Please assess your financial position and think about whether you really need the loan before you submit the application, so you can be sure that you are able to repay the loan in a timely manner. The monthly payment is 146.37€ and annual rate of charge is 34.74% on the following sample terms and conditions: loan amount 1500€, annual interest rate of 14.90% on the outstanding balance (fixed), contract fee 14.90€ and repayment period of 12 months.

Review the terms and conditions at

Or consult with our expert: +372 622 52 52

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