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5 simple and creative ways to earn extra money
Apr 01, 2024

5 simple and creative ways to earn extra money

Discover different ways to earn extra money by putting your time, skills, hobbies, or unused items to good use. Concrete tips for earning money!

Tips
8 effective ways to grow your online store's sales
Mar 14, 2024

8 effective ways to grow your online store's sales

Find out how to grow your online store's sales quickly and with as little effort as possible. 8 working tips for strengthening customer loyalty and boosting your online store's conversion rate.

E-commerce
Smart shopping: 5 money-saving tips for a spring home refresh
Mar 11, 2024

Smart shopping: 5 money-saving tips for a spring home refresh

Read more about how to carry out a spring home refresh as worry-free as possible, and save both your money and your time.

Tips
Best mobile apps for budgeting and saving money
Mar 06, 2024

Best mobile apps for budgeting and saving money

Find out which mobile apps are best for managing your everyday finances so you can save money successfully.

Tips
The most important ESTO customer support skills
Mar 05, 2024

The most important ESTO customer support skills

Find out what ESTO's customer service principles are and how they help us succeed in a highly competitive market.

Tips
Turn your hobby into income: How to put your passion to work for you?
Feb 28, 2024

Turn your hobby into income: How to put your passion to work for you?

Read how to turn your hobby into income! Gather ideas on how to earn money with your favourite activity and turn it into your new career.

Tips
Competitive analysis in online business: how to stand out from competitors?
Feb 12, 2024

Competitive analysis in online business: how to stand out from competitors?

Read on to find out how competitive analysis can boost your e-shop's performance, and which strategies successful companies like ESTO have used.

TipsE-commerce
Do you need a business plan for your e-shop?
Feb 05, 2024

Do you need a business plan for your e-shop?

Why and how should you create a business plan for your e-shop? Find out exactly what a business plan aimed at your e-shop's long-term success should include.

E-commerce
Small business idea: Open your own coffee shop
Jan 29, 2024

Small business idea: Open your own coffee shop

Dreaming of opening your own coffee shop? Read here how to make that dream profitable, what skills to pick up beforehand, and how to build a budget for running a successful coffee shop.

Tips
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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.