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ESTO car loan: fast and flexible vehicle financing with no down payment
Aug 06, 2026

ESTO car loan: fast and flexible vehicle financing with no down payment

Buying a car in Estonia? The ESTO car loan gives you a fast decision, no down payment required, and no comprehensive insurance needed. Apply in a minute.

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What can an ESTO small loan actually do for you?
Jul 15, 2026

What can an ESTO small loan actually do for you?

An ESTO small loan starts from 9.90 %. See what it covers, how the payments work, and whether it fits your budget.

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A smarter way to shop online: how a credit line works
Jun 11, 2026

A smarter way to shop online: how a credit line works

Use your ESTO credit line to shop at Temu, ASOS, Zalando and more. Withdraw only as much as you need and repay at your own pace. See how it works.

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ESTO 3 payment method - what is it and how does it work?
May 08, 2026

ESTO 3 payment method - what is it and how does it work?

ESTO 3 is a convenient payment method that splits your purchase into three equal parts, with no extra fees. Find out how it works and where to use it.

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Credit line or instalment loan - which one suits you?
Apr 01, 2026

Credit line or instalment loan - which one suits you?

A credit line and an instalment loan work differently — let's see which option better suits your finances.

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ESTO's experience-based marketing plan turns the holiday season into a shopping festival
Nov 10, 2025

ESTO's experience-based marketing plan turns the holiday season into a shopping festival

ESTO's experience-based marketing plan helps merchants attract shoppers and grow basket value during the holiday season.

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Sep 30, 2025

Don't Let Your Winter Sales Go Cold: How Flexible Payment Options Maximise Year-End Sales

The winter sales season brings big opportunities and big challenges — see how flexible payment options can help grow your year-end sales.

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Boost your sales and turn Lady Luck in your favor. We're launching the ESTO sales partner contest.
Sep 01, 2025

Boost your sales and turn Lady Luck in your favor. We're launching the ESTO sales partner contest.

ESTO announces a month-long sales partner contest for salespeople at ESTO partner stores — the prize is five 200 € gift cards.

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Why should international e-commerce giants prefer local Baltic solutions like ESTO?
Aug 05, 2025

Why should international e-commerce giants prefer local Baltic solutions like ESTO?

Why should international e-commerce giants prefer local Baltic solutions like ESTO?

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© ESTO AS 2017–2026. Licensed by the Estonian Financial Supervision Authority (no. 4.1-1/74).

You are on the homepage of the credit organization ESTO AS, which offers financial services. Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. By using the homepage, you signify your acceptance of the website's terms of use.

The annual percentage rate for the hire purchase of ESTO AS is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.

The annual percentage rate for the credit line of ESTO AS is 44.84% under the following example conditions: credit limit 500 EUR, unfixed initial (maximum) interest rate 37.10%, contract fee 0 EUR, monthly administration fee 0 EUR, the total amount of the loan and repayments is 608.16 EUR, provided that the loan is used in full and repaid within 12 months in equal monthly instalments. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.

The annual percentage rate for the small loan of ESTO AS is 44.43% under the following example conditions: loan amount 1000 EUR, fixed interest rate 14.15% per year, contract fee 0 EUR, monthly administration fee 6.00 EUR, the total amount of the loan and repayments is 1213.56 EUR, provided that the loan is repaid within 12 months in equal monthly instalments of 101.13 EUR. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The small loan service is offered and regulated by ESTO AS.