ESTO hire purchase is a flexible payment solution that allows you to split your payment conveniently into monthly instalments. Divide the purchase amount over a period that suits you. You can choose the repayment period and down payment amount during checkout when selecting ESTO hire purchase as the payment method.

Use ESTO hire purchase in online stores and physical shops. You can find all ESTO partner stores in ESTO Market: https://esto.eu/ee/esto-market

How to Use ESTO Hire Purchase?

1. Add the products you need to your shopping cart.
2. Choose ESTO hire purchase as the payment method at checkout.
3. Select your preferred repayment period 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 an ID card, Smart-ID or Mobile-ID.

ESTO hire purchase is provided and managed by ESTO AS. The annual percentage rate of charge for ESTO AS hire purchase is 23.63% per year under the following example conditions: credit amount 1490 EUR, cost of goods/services 1490 EUR, down payment 0%, fixed interest rate 11.90%, contract fee 0 EUR, total amount of credit and repayments 1844.64 EUR, assuming that the credit is repaid within 24 months in equal monthly instalments of 76.86 EUR. Please review the terms and conditions before signing the agreement and consult a specialist if necessary. Hire purchase is provided and managed by ESTO AS.

What Is ESTO?

ESTO is the preferred payment solutions provider in the Baltics, making the sales experience for merchants and the shopping experience for customers remarkably simple and smooth. ESTO has nearly 500,000 active customers and more than 3,000 partner stores across the Baltics. ESTO’s mission is to help partners sell and customers buy.

If you need assistance, contact an ESTO AS employee at info@esto.ee or visit https://esto.eu/ee/kliendile-klienditugi.