Installment Payment

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• Installment Payment

Looking to spread out your payments instead of paying the full amount upfront? Pay in installments!

With ESTO Installment Payment, you can do just that! It’s the fastest, most affordable, and convenient installment payment solution in Estonia.

If you’d like to pay in installments, simply contact the customer service of ESTO or avaeksperdid.ee to request an installment payment link for your order. Once you receive the link, you can choose the repayment period and monthly installment that best suit your needs, and conveniently sign the agreement digitally using your ID card, Smart-ID or Mobile-ID.

ESTO Installment Payment is incredibly fast and convenient. The payment schedule is prepared for you based on the repayment period of your choice. Decisions are made in real time, allowing you to complete your purchase in less than 60 seconds.

NOTE! Any installment payment is a financial obligation. Before agreeing to an installment payment plan, make sure you read through the terms and conditions of the service and consult an expert, if needed.

ESTO Installment Payment is provided by ESTO AS (reg. code 14180709).

The standard terms and conditions for ESTO Installment Payment are:

• Annual interest rate: from 0%
• Contract fee: from €0
• Repayment period: up to 4 years

ESTO Installment Payment is available to all citizens of the Republic of Estonia aged 18 to 70. ESTO Installment Payment can even be processed quickly and conveniently for legal entities.

Every financial decision comes with risks and obligations, which is why we ask you to carefully consider the need to use loan products. For example, in the case of a €1059 loan with a fixed annual interest rate of 13.90%, a repayment period of 24 months, and a contract 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.

Payment Made Easy with ESTO 3 – Split Your Purchase into Three Equal Payments without Any Additional Fees!

Introducing ESTO 3, the payment method that allows you to split the cost of your purchase into three equal payments without any additional fees!

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

• If you pay the cost of your purchase in full and on time within three months, no additional fees will be added.
• The monthly fee is calculated by dividing the cost of the purchase into three equal parts.
• The minimum purchase amount for ESTO 3 is €60.
• ESTO 3 is available to all citizens of the Republic of Estonia aged 18–70.

Terms and Conditions of The Payment Method ESTO 3

The payment method ESTO 3 is provided by ESTO AS. Opting for this payment method is a financial decision that comes with risks and obligations. Therefore, we kindly ask you to carefully consider the need to use credit products. The APR for ESTO 3 is 0% under the following example conditions: annual interest rate 0%, and no fees.

Failure to make payments according to the ESTO 3 schedule will result in the termination of your ESTO 3 contract. Your outstanding debt to ESTO AS will then be considered credit used based on the ESTO overdraft agreement, and additional fees will be incurred according to the overdraft agreement.