ESTO Installment Plan
What is ESTO?
ESTO is your reliable partner for simple and flexible shopping experiences.
Our mission is to help merchants sell and customers buy — quickly, safely, and transparently.
- Over 500,000+ active users
- More than 3,000+ partner merchants
- Simple, secure, and hassle-free
Payment in 30 days
Shop at your favorite ESTO partner stores and pay within 30 days with no extra fees.
Payment in three equal parts
No extra fees!
Payment in installments
Don’t want to pay the full amount at once? Pay in parts!
ESTO offers flexible installment options — you choose the payment period and the size of the initial payment. The application process is quick and easy, right in the shopping cart during checkout.
Sign the contract conveniently on your smartphone
0% interest, 0 € fees
Repayment period up to 60 months
All Estonian citizens aged 18–70 can apply
How it works:
- Add the products to your cart.
- Choose “ESTO Installment” as your payment method at checkout.
- Select your preferred repayment period — from 3 to 60 months.
- A credit decision is made instantly.
- If approved, sign the agreement digitally (using ID card, Smart-ID, or Mobile-ID).
Service is provided by ESTO AS. Example calculation for the annual percentage rate (APR) — 23.63%, based on the following terms:
- Loan amount: 500€
- Down payment: 0 €
- Term: 24 months
- Fixed interest rate: 11.90%
- Annual Percentage Rate (APR): 23.63%
- Monthly payment: 25,79 €
- Total repayment amount: 619,01€
- Overpayment: 119,01 €
Please read the terms carefully before signing the agreement and consult a financial advisor if necessary.
ESTO 3 – Pay in 3 Equal Installments, Interest-Free
With ESTO 3, you can split your payment into three equal parts — with no interest, no fees, and no hidden costs.
Sign the contract conveniently on your smartphone
0% interest, 0 € fees
Buy now Pay later in 3 parts
All Estonian citizens aged 18–70 are eligible to apply
How it works:
- Add your selected items to the cart.
- Choose “ESTO3” at checkout.
- A credit decision is made instantly.
- Once approved, confirm the purchase.
- The first invoice will be sent on the 15th of the following month, with two remaining payments billed monthly on the same date.
ESTO "Pay Later" – Get It Now, Pay Within 30 Days
Receive your order now and pay for it within 30 days — no interest, no fees.
Sign the contract conveniently on your smartphone
0% interest, 0 € fees
Buy now Pay within 30 days
All Estonian citizens aged 18–70 can submit an application.
How it works:
- Add the items to your cart.
- Choose “ESTO Pay Later” during checkout.
- The credit decision is made instantly.
- Once approved, confirm your order.
- Pay the invoice within 30 days.
Need help? Contact us at info@esto.ee or reach out to customer support https://esto.eu/ee/kliendile-klienditugi
