You've found the perfect product for yourself — a new bike, sofa, or smartphone. The price is reasonable, but you don't want to pay for it all at once. A small loan feels like too big a step for that. So what's the solution?


ESTO 3 - what is it?

ESTO 3 is a payment method that automatically splits your purchase into three equal parts. No interest, no extra fees, no long application forms. Setting it up takes just a couple of clicks

When you buy a product, simply select ESTO 3 as the payment method at checkout and confirm the payment. And that's it. You pay the first part right away, and the second and third in the following months.

The ESTO 3 payment method is available in thousands of online stores and shops across the Baltics.

When is ESTO 3 the best choice?

ESTO 3 is a smart choice — the payment method works best for purchases in the 50–750 € range. Not too small to feel pointless, not too big to justify taking out a long-term loan agreement.

Typical purchases:

• Bikes and scooters

• Electronics and smart devices

• Clothing and footwear

• Tools and garden equipment

• Small furniture and household items

If you find a product you love on Cyber Monday, ESTO 3 is simply the smart choice — you get the item right away and start paying it off calmly in three parts, with no extra fees.

How it works - step by step.

The process is fast and simple:

1. Choose a product in the partner's online store

2. Select ESTO 3 as the payment method at checkout

3. Confirm the payment in real time and receive the product

4. The due date for the first monthly payment is always the 15th of the following month

5. Notifications for the following monthly payments will reach you by email
Everything happens online and takes under a minute.

FAQ

Does using ESTO 3 cost anything?

No. ESTO 3 is a free payment method - no interest or extra fees apply.

Do I need to be an ESTO customer?

No, you don't. You can use ESTO 3 for the first time with no prior connection to ESTO.

Which stores offer ESTO 3?

Over 8,000 partners in Estonia, Latvia, and Lithuania - online stores and physical shops.

Choose ESTO 3 as your payment method at checkout in your favourite stores, or ask the sales staff in-store!