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A holiday in Estonia – five beautiful spots to recharge your batteries
Jun 27, 2025

A holiday in Estonia – five beautiful spots to recharge your batteries

Discover five beautiful spots in Estonia where you can take a break from everyday life and recharge your batteries with little planning.

Tips
Hire purchase offers a more secure solution than a rental agreement
Jun 26, 2025

Hire purchase offers a more secure solution than a rental agreement

Hire purchase lets you acquire an asset through instalments and gives you a more secure route to ownership than a rental agreement.

TipsE-commerceShopping
ESTO in physical stores: how integrating ESTO affects your physical store's revenue
May 27, 2025

ESTO in physical stores: how integrating ESTO affects your physical store's revenue

Flexible payment options help turn interested shoppers into committed buyers in your physical store and grow your revenue.

TipsE-commerceShopping
Upselling in the digital age - ESTO payment solutions boost sales in your physical store
May 05, 2025

Upselling in the digital age - ESTO payment solutions boost sales in your physical store

Upselling in the digital age - ESTO's innovative payment solutions help merchants grow additional sales in-store.

TipsE-commerceShopping
Apr 25, 2025

Build a home that never goes out of style – an interior designer's advice

An interior designer shares advice on making home refresh decisions that never go out of style.

Tips
Do you feel like you're stuck in limbo between seasons?
Apr 11, 2025

Do you feel like you're stuck in limbo between seasons?

ESTO Group's Head of HR shares her thoughts on the fatigue that comes with the changing seasons, finding motivation, and moving forward.

Tips
Discover growth opportunities in the Estonian retail market: simpler payments and more customers
Mar 27, 2025

Discover growth opportunities in the Estonian retail market: simpler payments and more customers

Estonian retail combines tradition and digital innovation — see how simpler payments help retailers grow and win more customers.

E-commerceShopping
Smart travel - plan your trip using great deals
Jun 27, 2024

Smart travel - plan your trip using great deals

Use ESTO's offer and enjoy an unforgettable holiday. ⭐ Buy your trip now, pay later!

Tips
Reading list: the 5 best books for investing in Estonia and achieving financial freedom
Apr 03, 2024

Reading list: the 5 best books for investing in Estonia and achieving financial freedom

Achieving financial freedom takes learning and determination. Discover the best books in Estonia for starting to invest and succeeding on the stock market.

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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.