ESTO installment payment is a fast and convenient payment solution that allows you to pay for purchases in installments. The application can be submitted by all citizens of the Republic of Estonia aged 18–70, and it is also available to legal entities. ​

Main conditions:

• Interest rate: from 0% to 14,90% per year.​

• Contract fee: from 0 euros.

• Period: up to 5 years. ​

Application process:

1. Add the desired products to the shopping cart and confirm the order.​

2. Select ESTO installment payment as the payment method.​

3. Choose the appropriate period and monthly installment amount.​

4. Sign the contract digitally using your ID card, Smart-ID or Mobile-ID. ​

Sample calculation:

If the loan amount is 1,490 euros, the fixed interest rate is 11.90% per year, the contract fee is 0 euros and the period is 24 months, then the annual percentage rate of credit is 23.63%, the monthly payment is 76.86 euros and the total amount to be repaid by the consumer is 1,844.64 euros. ​

Attention: Each installment payment is a financial obligation. Before signing the contract, read the terms and conditions and consult a specialist if necessary. ​

For more information, please visit the official ESTO website: