ESTO Installment Plan
ESTO Installment Plan and ESTO 3
Don't want to pay the full amount at once? Select the ESTO payment option in your shopping cart and pay conveniently in installments.
Pay for products or services in installments
When paying for products or services, use ESTO installment payments — a convenient and fast installment payment solution in Estonia.
Add products to your cart, confirm your order, and select the ESTO installment plan option from the available payment methods. During checkout, you can choose the payment term and monthly installment amount that works for you, and digitally sign the contract using your ID card, Smart-ID, or Mobile-ID.
How does ESTO's installment plan work?
Add the items you want to your shopping cart.
Confirm your order and select ESTO installment plan as your payment method.
Select the appropriate term and the amount of your monthly payment.
Sign the agreement conveniently using your ID card, Smart-ID, or Mobile-ID.
Standard Terms and Conditions
Interest rates from 0% to 14.90%
Contract fee starting at 0 euros
Up to 4 years
Attention!
Every installment plan is a financial obligation. Before entering into an installment agreement, review the terms and conditions of the service and, if necessary, consult with an expert.
The provider of ESTO's installment payment plan is ESTO AS, registration number 14180709.
Sample calculation
For example, for a loan amount of €1,500 with a 12-month fixed interest rate of 14.90% per year and a contract fee of €14.90, the annual percentage rate (APR) is 34.74%, the monthly payment is €146.37, and the total amount to be repaid by the consumer is €1,756.68.
Installment payments constitute a financial obligation; before making a decision, please carefully review the terms and conditions of the agreement and, if necessary, consult with an ESTO AS representative or another expert.
Payment in 3 equal installments with no additional fees
The ESTO 3-part payment plan allows you to pay for your purchase over three months, in three equal installments and at no extra cost.
The monthly payment is calculated by dividing the total cost of the shopping cart into three equal parts. The first payment is due on the 15th of the following month. There is no interest, no additional fees, and you can always pay early without incurring any additional charges.
How does ESTO 3 work?
Add the items you need to your shopping cart.
At checkout, select ESTO 3 as your payment method.
You'll receive the decision in real time.
If the decision is positive, confirm the purchase.
ESTO will send the first invoice on the 15th of the following month.
Convenient payment method
Easily split your purchase amount into three equal parts. ESTO 3 can be used in both online stores and brick-and-mortar stores.
Go to the MobiShop online storeWhat is ESTO?
ESTO is a payment solutions provider in the Baltics whose goal is to make the sales experience for merchants and the shopping experience for consumers simple and seamless.
If you need assistance, please contact an ESTO AS representative at info@esto.ee or visit ESTO Customer Support: esto.eu/ee/kliendile-klienditugi.