Buy fast
Apply in less than a minute, get your items right away
Pay slow
From 30 days to 60 months, pick a plan that fits your life
In thousands of stores
Thousands of stores offer ESTO payment methods
Optional credit line
Convert your loan to credit line for smaller payments
Shop, apply, done.
Whether you want to pay in 30 days or 60 months, ESTO makes it easy and affordable.
Shop today. Pay in 30 days.
That’s it. No interest. No fees. No stress.
1
Payment method
ESTO Pay later
1
When you pay
In full after 30 days
1
Fees and interest
None
Shop today. Pay in three.
One purchase. Three equal monthly payments.
1
Payment method
ESTO 3
1
When you pay
In 3 equal monthly payments, starting next month
1
Fees and interest
None
Shop today. Pay whenever.
Big plans? Stretch payments up to 60 months.
1
Payment method
ESTO Hire purchase
1
When you pay
Up to 60 months, starting next month
1
Fees and interest
0 € contract fee
About hire purchase
Frequent questions
What is "Pay later" payment method?
ESTO's "Pay Later" payment method (often referred to as "Buy Now, Pay Later") allows you to purchase what you need in-store and pay for your purchases within 30 days without any additional fees.
Where can I use ESTO payment methods?
Our payment methods are available at over 6000 merchant stores across the Baltics. Look for ESTO or white label hire purchase solutions in merchant checkouts.
Can ESTO payment methods also be used in an ecommerce store?
Yes, ESTO's "Pay Later" payment method can also be used to pay in the online store. To do this, simply add the product to your shopping cart and select "Pay Later" as your payment method.
How do I buy now, pay later?
It’s easy - follow the application process, sign the contract and the purchase is completed! You will receive what you purchased from the merchant and start paying back ESTO in parts during subsequent months.
Is this solution really free?
Yes, ESTO's "Pay Later" payment solution allows you to pay for purchases from our partners 30 days later without any additional fees. There is no interest, contract fee, or anything else complicated. Before using the "Pay Later" payment method and before signing the contract, please read the terms and conditions on the ESTO website.
What happens if I cannot pay for my purchase within 30 days?
If you have used the "Buy now, pay later" payment solution but are unable to meet the payment terms and repay the purchase amount within 30 days, please contact ESTO customer support at info@esto.ee to find the most suitable solution for you with the help of our specialists.
Does ESTO offer other similar solutions?
Yes, as an ESTO customer, you can also choose the ESTO 3 solution, for example. With ESTO 3, you divide your shopping cart into three equal parts. Similar to the "Pay Later" solution, this is also a smart solution with no additional fees. The first payment is due the following month.
How do I convert my payment plan into a credit line?
If you wish to reduce the monthly payment of a fixed term loan, follow the instructions in your self-service portal at https://app.esto.ee . The conversion requires signing a credit line, if you do not already have one, and completing a short application process.
Why was my application rejected?
There can be many reasons for an ineligible credit application, ranging from an inadequate or irregular income to having active debts. In order to be eligible for a hire purchase ESTO needs to properly ensure the creditworthiness of each of our customers.
What’s different between ESTO’s credit line and payment methods?
Credit line allows the customers to withdraw cash to their account and use it for any purpose, within the revolving credit limit. Hire purchase methods however are for specific purchases and the funds are paid to the merchant instead of the customer.
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