{"id":11755,"date":"2025-03-25T13:42:26","date_gmt":"2025-03-25T10:42:26","guid":{"rendered":"https:\/\/avaeksperdid.ee\/about-the-company-parent\/order-by\/"},"modified":"2026-03-12T13:59:56","modified_gmt":"2026-03-12T10:59:56","slug":"installment-payment","status":"publish","type":"page","link":"https:\/\/avaeksperdid.ee\/en\/about-the-company-parent\/installment-payment\/","title":{"rendered":"Installment Payment"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">ESTO instalment &#8211; don&#8217;t want to pay the full amount at once? Pay in instalments! <\/h1>\n\n\n\n<p>Use <strong>ESTO installment payment &#8211; the cheapest, most convenient and fastest installment payment link in Estonia!<\/strong><\/p>\n\n\n\n<p>To pay by instalment, please contact ESTO or avaeksperdid.ee customer service and you will be provided with an instalment link. When paying, <strong>choose the period<\/strong> and monthly instalment amount that <strong>suits you<\/strong> and digitally sign in conveniently using your ID card, Smart-ID or Mobile-ID. <\/p>\n\n\n\n<p>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. <\/p>\n\n\n\n<p><strong>NOTE!<\/strong>  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. <\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full rounded-corners\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1.jpg\" alt=\"\" class=\"wp-image-12063\" srcset=\"https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1.jpg 1024w, https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1-300x157.jpg 300w, https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1-768x402.jpg 768w, https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1-800x419.jpg 800w, https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/07\/1200x628px_fb_ae_esto_2_eng-1024x536-1-600x314.jpg 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The ESTO hire-purchase provider is <a href=\"https:\/\/www.esto.ee\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ESTO AS<\/strong><\/a> (reg. code 14180709).<\/p>\n\n\n\n<p>The standard conditions for an ESTO instalment payment are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual interest from 0<\/li>\n\n\n\n<li>Contract fee from EUR 0<\/li>\n\n\n\n<li>Period up to 4 years<\/li>\n<\/ul>\n\n\n\n<p>All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO instalment. <strong>ESTO instalments can also be made quickly and conveniently for legal entities.<\/strong><\/p>\n\n\n\n<p>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 \u20ac1059 with a fixed interest rate of 13.90% per year for 24 months and a contractual fee of \u20ac13.90, the APR is 38.14%, the monthly payment is \u20ac60.72 and the total amount to be repaid by the consumer is \u20ac1457.28. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>ESTO 3 payment method &#8211; split the cost of your purchase into three equal payments without paying any extra fees!<\/h2>\n\n\n\n<p>Pay for your products using <strong>ESTO 3<\/strong> payment methods &#8211; split the cost of your purchase into three equal payments without paying any extra fees!<\/p>\n\n\n\n<p>To use the <strong>ESTO 3<\/strong> payment method, please contact KeyExperts customer service.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you pay for your purchase in full and on time within three months, there will be no surcharge.<\/li>\n\n\n\n<li>The monthly fee is calculated by dividing the cost of the purchase into three equal parts.<\/li>\n\n\n\n<li>The minimum purchase amount when using ESTO 3 is EUR 60.<\/li>\n\n\n\n<li>ESTO 3 is open to all citizens of the Republic of Estonia aged 18-70.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><br><strong>Terms and conditions of ESTO 3 payment method<\/strong><\/h3>\n\n\n\n<p><strong>ESTO 3<\/strong> 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.  <\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"162\" src=\"https:\/\/avaeksperdid.ee\/wp-content\/uploads\/2025\/03\/esto3_bannerEST.png\" alt=\"\" class=\"wp-image-346\"\/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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#112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class='gform_heading'>\n                            <h2 class=\"gform_title\">Contact &#8211; ENG<\/h2>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_47'  action='\/en\/wp-json\/wp\/v2\/pages\/11755' data-formid='47' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_47' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_47_13\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_13'>Facebook<\/label><div class='ginput_container'><input name='input_13' id='input_47_13' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_47_13'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_47_1\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_1'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_47_1' type='text' value='' class='medium'    placeholder='Name*' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_47_2\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_2'>E-mail<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_47_2' type='email' value='' class='medium'   placeholder='E-mail*' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_47_3\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_3'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_3' id='input_47_3' type='text' value='' class='medium'    placeholder='Phone*' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_47_11\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_11'>Product of interest to you<\/label><div class='ginput_container ginput_container_text'><input name='input_11' id='input_47_11' type='text' value='' class='large'    placeholder='Product of interest to you'  aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_47_4\" class=\"gfield gfield--type-textarea gfield--input-type-textarea field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_4'>Content of the letter<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_4' id='input_47_4' class='textarea medium'    placeholder='Content of the letter'  aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_47_12\" class=\"gfield gfield--type-fileupload gfield--input-type-fileupload gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_47_12'>File<\/label><div class='ginput_container ginput_container_fileupload'><input name='input_12' id='input_47_12' type='file' class='large' aria-describedby=\"gfield_upload_rules_47_12\" onchange='javascript:gformValidateFileSize( this, 2147483648 );'  \/><span class='gfield_description gform_fileupload_rules' id='gfield_upload_rules_47_12'>Max. file size: 2 GB.<\/span><div class='gfield_description validation_message gfield_validation_message validation_message--hidden-on-empty' id='live_validation_message_47_12'><\/div> <\/div><\/div><div id=\"field_47_10\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class=\"small_gray_text\">\nThe colours of real products may differ from those shown on the website. Please check the suitability of materials and products in the salon before purchase. Orders placed via the website are non-refundable and are not guaranteed against any difference in shade or facture.  \n<\/div><\/div><fieldset id=\"field_47_8\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label screen-reader-text gfield_label_before_complex' ><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_47_8'><div class='gchoice gchoice_47_8_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.1' type='checkbox'  value='1'  id='choice_47_8_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_47_8_1' id='label_47_8_1' class='gform-field-label gform-field-label--type-inline'>I would like to receive news and offers to my e-mail address Avaeksperdid O\u00dc. 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