top of page
Esto_As a follow-up

Use ESTO installment payment when paying for products or services - the most affordable, convenient and fastest installment payment link in Estonia! When paying, select the appropriate period, the size of the monthly installment and conveniently sign digitally using an ID card, Smart-ID or Mobile-ID.

In the case of ESTO installments, it is an extremely fast and convenient payment solution that helps you prepare a payment schedule based on the period you choose, i.e. pay in installments. This payment solution makes a credit decision in real time and helps to make a purchase in less than 60 seconds.

ATTENTION! Each installment is a financial obligation. Before concluding an installment agreement, familiarize yourself with the terms of the corresponding service and, if necessary, consult an expert. The ESTO installment provider is ESTO AS (reg. code 14180709).

The standard conditions for ESTO installment payments are as follows:

  • Interest from 0%

  • Contract fee from 0 euros

  • Period up to 4 years

All citizens of the Republic of Estonia between the ages of 18 and 70 can apply for an ESTO installment payment. ESTO installment payments can be processed quickly and conveniently even for a legal entity.

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 1500-euro loan with a fixed interest rate of 14.90% per year for 12 months and a contract fee of 14.90 euros, the APR is 34.74%, the monthly payment is 146.37 euros, and the total amount to be repaid by the consumer is 1756.68 euros. The final payment is a financial obligation, and before making a decision, thoroughly familiarize yourself with the terms of the contract and, if necessary, consult with an ESTO AS employee or other expert.

ESTO3_Banner installment payment

Use ESTO 3 payment methods when paying for products or services - split the cost of your shopping cart into three equal payments, without paying any additional fees!


Add the products to the shopping cart, confirm your order and choose ESTO 3 as the payment method and sign conveniently with the Smart-ID solution.


  • If you pay the cost of your shopping cart in full and on time within three months, no additional fees will be added.

  • The monthly fee is formed by dividing the cost of the shopping cart into three equal parts.

  • The minimum shopping cart amount when using ESTO 3 is 60 EUR.

  • All citizens of the Republic of Estonia aged 18-70 can apply for ESTO 3.


Conditions for ESTO 3 payment methods


The service provider of ESTO 3 payment methods is ESTO AS. The use of a payment method is a financial decision and the associated risks and obligations, so we ask you to carefully consider the need to use credit products. ESTO 3's APR is 0% under the following example conditions: interest 0% per year, no fees. 

If you fail to make payments based on the ESTO 3 schedule, your ESTO 3 contract will end and your debt to ESTO AS will be considered credit used based on the ESTO overdraft agreement, and additional fees will be added according to the overdraft agreement.

bottom of page