ESTO instalment – don’t want to pay the full amount at once? Pay in instalments!

Use ESTO installment payment – the cheapest, most convenient and fastest installment payment link in Estonia!

To pay by instalment, please contact ESTO or avaeksperdid.ee customer service and you will be provided with an instalment link. When paying, choose the period and monthly instalment amount that suits you and digitally sign in conveniently using your ID card, Smart-ID or Mobile-ID.

ESTO instalments are a fast and convenient payment solution that helps you set up a payment schedule based on the period you choose. This payment solution makes the decision in real time and helps you complete your purchase in less than 60 seconds.

NOTE! Every instalment is a financial commitment. Before entering into a hire-purchase agreement, read the terms and conditions of the service and consult a professional if necessary.

The ESTO hire-purchase provider is ESTO AS (reg. code 14180709).

The standard conditions for an ESTO instalment payment are:

• Annual interest from 0
• Contract fee from EUR 0
• Period up to 4 years

All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO instalment. ESTO instalments can also be made quickly and conveniently for legal entities.

Every financial decision comes with risks and responsibilities, so we ask you to think carefully about the need to use credit products. For example, for a loan amount of €1059 with a fixed interest rate of 13.90% per year for 24 months and a contractual fee of €13.90, the APR is 38.14%, the monthly payment is €60.72 and the total amount to be repaid by the consumer is €1457.28.

ESTO 3 payment method – split the cost of your purchase into three equal payments without paying any extra fees!

Pay for your products using ESTO 3 payment methods – split the cost of your purchase into three equal payments without paying any extra fees!

To use the ESTO 3 payment method, please contact KeyExperts customer service.

• If you pay for your purchase in full and on time within three months, there will be no surcharge.
• The monthly fee is calculated by dividing the cost of the purchase into three equal parts.
• The minimum purchase amount when using ESTO 3 is EUR 60.
• ESTO 3 is open to all citizens of the Republic of Estonia aged 18-70.

Terms and conditions of ESTO 3 payment method

ESTO 3 is provided by ESTO AS. The use of a payment method is a financial decision and involves risks and liabilities, so please carefully consider the need to use credit products. The ESTO 3 credit cost rate is 0% under the following sample conditions: interest 0% per annum, no fees.

In the event that you fail to make payments in accordance with the ESTO 3 schedule, your ESTO 3 contract will be terminated and your debt to ESTO AS will be considered to be a credit drawn under the ESTO overdraft facility and will be subject to surcharges under the overdraft facility.

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