1. 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. Use the ESTO 3-part payment method in online stores and physical shops.

You can find all ESTO partner stores in the ESTO Market: https://esto.eu/ee/esto-market

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.

1. Add the necessary products to your cart.
2. Choose ESTO 3 as the payment method at checkout.
3. You will receive a decision in real-time.
4. If the decision is positive, confirm the purchase. ESTO will send you your first invoice on the 15th of next month.
   The financial service is provided by ESTO AS. Before entering into an agreement, review the terms and, if necessary, consult with a specialist. More information at www.esto.ee.
   
   
   
   
   
   

   2. ESTO Pay Later

   
   Is a new way to pay for your purchases. You get the purchase immediately and need to pay the invoice within 30 days. Get exactly what you need without interest, extra fees or down payment.Use the ESTO Pay Later payment method in online stores and physical shops. You can find all ESTO partner stores in the ESTO Market: https://esto.eu/ee/esto-market
   How does it work?
   By choosing the ESTO Pay Later payment method, your order is confirmed immediately, but you don't have to pay right away, as the payment deadline is 30 days later.
   1. Add the necessary products to your cart.
   2. Choose the ESTO Pay Later payment method at checkout.
   3. You will receive a decision in real-time.
   4.  If the decision is positive, confirm the purchase.
   5. ESTO will send you an invoice, which must be paid in full within 30 day
      The financial service is provided by ESTO AS. Before entering into an agreement, review the terms and, if necessary, consult with a specialist. More information at www.esto.ee.
      
      
      

      3. 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.Use ESTO hire-purchase in online stores and physical shops. You can find all ESTO partner stores in the ESTO Market: https://esto.eu/ee/esto-market
      How to pay with an  ESTO hire-purchase?
      1. Add the necessary products to your cart.
      2. Select ESTO hire-purchase as the payment method at checkout.
      3. Choose your preferred repayment period ranging from 3 to 60 months.
      4. You will receive a decision in real-time.
      5. If the decision is positive, digitally sign the agreement using your ID card, Smart-ID, or Mobile-ID.
         
         The hire purchase service is offered and regulated by ESTO AS. The annual percentage rate for the hire purchase of ESTO AS is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly installments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.