In our pawnshop you can buy any item in installments.
It is possible to draw up a contract digitally and we send the goods by mail anywhere in Estonia. Or you can make a contract in our pawnshop.
The whole procedure takes no more than 10 minutes.
1. ESTO 3.
Is a new generation of payment method that allows you to pay conveniently and quickly - in three equal installments, with no extra fees!
ESTO 3 helps you split your purchase easily into 3 equal parts, with 0€ interest and 0€ extra fees!.
-No extra charges
- Just three equal payments over a period of three months.
- The first payment is always on the next month.
2. ESTO hire-purchase.
Add the products you need to your shopping cart, confirm your order and choose ESTO hire-purchase as a payment method. When confirming your purchase, select your preferred repayment period, monthly installment amount and sign digitally and conveniently using your ID card, Smart ID or Mobile ID.
- All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO hire-purchase
- ESTO hire-purchase can be signed quickly and conveniently for legal entities.
-ESTO hire-purchase is offered and managed by ESTO AS.
Attention! Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. ESTO AS loan annual percentage rate 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 instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.
3. ESTO Pay Later.
Confirm your purchase with just a few clicks and pay back without any extra cost. ESTO Pay Later is a smart way for people to pay - get your goods now and pay back on a flexible repayment schedule.
Get exactly what you need with just a few clicks - no interest, no surcharge and no deposit.
Pay Later payment method is provided and managed by ESTO AS.
See more details about ESTO payments methods on the website: https://esto.eu/ee
The service provider is Koduliising AS. Every loan is a financial liability. Weigh your decision carefully – read the terms of the loan agreement and, if necessary, consult with a specialist. The loan cost rate is 39.40% under the following standard conditions: cost of goods / services 419 euro, contract period 12 months, fixed interest rate 20% of the loan amount per year, loan amount 419 euro, total payments 499.32 euro and the amount chargebacks 499.32 euro.
