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.