ESTO Payment methods

Don’t Want to Pay the Full Amount at Once? Pay in Installments!

ESTO installment payment is an extremely fast and convenient solution that allows you to set up a payment schedule over a period of your choice. The financing decision is made in real time and lets you complete your purchase in less than 60 seconds.

Add your chosen products to the cart, confirm your order, and select ESTO installment as your payment method. At checkout, choose your preferred term, monthly installment amount, and digitally sign using ID‑card, Smart‑ID, or Mobile‑ID.

• All Estonian citizens aged 18–70 are eligible to apply for ESTO installment.
• ESTO installment can also be arranged quickly and conveniently for legal entities.
• ESTO AS provides and manages the installment service.

ATTENTION! Every installment plan is a financial obligation. Before entering into an installment agreement, please review the service terms and consult a professional if necessary. All financial decisions carry risks and obligations, so consider your need for credit products carefully. For example, a €1,290 loan over 24 months at a fixed annual interest rate of 14.90% with no contract fee has an annual percentage rate of charge (APR) of 31.62%, a monthly payment of €70.67, and a total repayment amount of €1,696.08. Installments are a financial commitment; please review the contract terms thoroughly and, if needed, consult with ESTO AS staff or another expert. The installment service is provided and managed by ESTO AS.

ESTO3 is an innovative payment method that lets you confirm and pay quickly and conveniently—in three equal parts, with no additional fees!

Choose the popular ESTO 3‑part payment method at checkout!

ESTO 3 lets you split your purchase amount into up to three equal payments.

• No additional fees.
• Three easy payments over three months.
• The first payment is due on the 15th of the following month.

ESTO AS provides and manages the ESTO3 payment method.

Be smart and choose ESTO Pay Later!

Choose ESTO Pay Later at checkout. Confirm your purchase in just a couple of clicks, receive your order, and pay back the full amount within 30 days—without any extra cost!

Pay Later is the smart payment choice—get your goods immediately and repay according to a flexible schedule.

Buy what you need in just a few clicks—with no interest, fees, or down payment!

ESTO AS provides and manages the Pay Later method.

WHAT IS ESTO? ESTO is a financial services company founded in 2016 to meet the need for next‑generation payment solutions suitable for both consumers and merchants. Today, ESTO offers the widest range of payment options in the Baltics, with over 2,600 partner stores and more than 300,000 customers. Review the terms here: www.esto.ee.

For assistance, contact ESTO AS at [email protected] or via the live chat on www.esto.ee.