WHAT IS ESTO?

• ESTO is a financial services company established in 2016 in Estonia. The brand was created in response to the need for new-generation payment solutions suitable for both the end consumer and the merchant. Today, ESTO offers a wide range of payment solutions in the Baltics, and its partner network includes more than 2000 partners and stores and over 200,000 customers. 

• Deciding to use these payment methods is a financial decision that involves risks and obligations, so we recommend carefully considering your need for any loan products. 
• Before signing a contract with ESTO LV AS, be sure to read the terms and conditions and, if necessary, consult with a specialist.

ESTO installment, first 12 months INTEREST-FREE! – if you don't want to pay the full amount at once, settle in parts!

• ESTO installment, the first 12 months INTEREST-FREE! is a payment method that allows you to pay for your purchases in 12 equal parts over 12 months. Interest-free and without commission fees.
• ESTO installment, the first 12 months INTEREST-FREE! is a fast and very convenient payment method that prepares a payment schedule for the payment term you choose. Remember, the first 12 months are INTEREST-FREE, so we recommend this term so you don't overpay!
• This payment method provides decision-making in real-time and will help you complete your purchase in less than 60 seconds.
• Add products to the shopping cart, choose ESTO installment, the first 12 months INTEREST-FREE! as the payment method, confirm the order, and sign the deal with one click, using Smart-ID, eParaksts, or your internet bank.

Standard terms and conditions for ESTO installment, the first 12 months INTEREST-FREE!:

• Interest rate from 0%
• Contract signing fee 0 €
• Term – up to 60 months
• The first 12 months are INTEREST-FREE and without commission fees!
• Example: loan amount 300 euros, loan repayment term 12 months and fixed interest rate 0.00 %, annual interest rate 0.00%, monthly payment 25.00 €, and the total amount to be repaid by the consumer – 300.00 €.

ESTO installment is available to all adult residents of Latvia, Lithuania, and Estonia.

The installment service is offered and regulated by ESTO LV AS.

ESTO 3 installment – a payment method that allows you to pay for your purchases in 3 equal parts, over 3 months. Without interest or commission fees.

• ESTO 3 installment is a fast and very convenient interest-free payment method that allows you to pay for your purchases in 3 equal parts over 3 months. Without interest or commission fees.
• This payment method provides decision-making in real-time and will help you complete your purchase in less than 60 seconds.
• Add products to the shopping cart, choose the popular ESTO 3 installment as the payment method, confirm the order, and sign the deal with one click, using Smart-ID, eParaksts, or your internet bank. It helps you easily divide the purchase into 3 equal parts with 0 € interest and 0 € additional fee!
• No additional fees
• Simple - three equal payments over three months.
• The first payment is always in the following month

Standard terms and conditions of ESTO 3 installment:

• Interest rate from 0%
• Contract signing fee 0 €
• Term – 3 months
• Example: loan amount 300 euros, loan repayment term 3 months and interest rate 0.00 %, annual interest rate 0.00%, monthly payment 100.00 €, and the total amount to be repaid by the consumer – 300.00 €.

ESTO 3 installment is available to all adult residents of Latvia, Lithuania, and Estonia.

The installment service is offered and regulated by ESTO LV AS.

ESTO Pay Later - ESTO allows you to shop comfortably by settling for your purchases within 30 days.

• The new and innovative payment solution helps you comfortably settle for your purchases within 30 days.
• Get exactly what you need, with a few clicks - without interest, without additional charges.
• This payment method provides decision-making in real time and will help you complete your purchase in less than 60 seconds.
• Add products to the shopping cart, confirm the order, choose ESTO Pay Later as the payment method, and sign the deal with one click, using Smart-ID, eParaksts, or your internet bank.

• Flexible repayment schedule
• Buy now and pay in 30 days
• 0% interest and 0 € additional charge

Standard terms and conditions of ESTO Pay Later:

• Interest rate starting from 0%
• Contract fee 0 €
• Flexible repayment schedule
• Buy now and pay in 30 days
• 0% interest and 0 € additional charge
• Example: Loan amount 300 euros, loan repayment term 1 month and interest rate 0.00 %, annual interest rate 0.00%, monthly payment 300.00 €, and the total amount to be repaid by the consumer – 300.00 €

ESTO Pay Later installment is available to all adult residents of Latvia, Lithuania, and Estonia.

The installment service is offered and regulated by ESTO LV AS.