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This is an automatic newsletter or message that you subscribed to when creating your customer account. You can only use the available credit limit if you pass the creditworthiness check and your data complies with responsible lending principles. If you want to unsubscribe from marketing offers, log in to self-service, select "Profile" and switch off "Marketing messages".

You can find the credit line agreement in ESTO self-service. Log in using ID-card, Mobile-ID or Smart-ID and select "Credit line" from the left menu. You can download your agreement from the "Documents" section.

The ESTO credit line is an open-ended overdraft credit without a fixed payment schedule. Each month, the customer is only required to pay the minimum monthly instalment, which is 1/120 of the credit used + the interest accrued during the month. Interest only has to be paid on the amount in use. Activating the account and signing the agreement is free, and the credit can be used immediately after signing the agreement.

If your bank does not offer an account statement in .asice or .bdoc format, then unfortunately ESTO cannot issue you a loan.

There can be several reasons for rejecting a request:

• your income is not sufficiently stable or high
• you have active debts to ESTO
• the difference between your obligations and income is too small
• you have an active payment default in the Creditinfo/taust.ee register
• your creditworthiness is currently not good enough

You can increase the credit line limit in self-service. Log in using ID-card, Mobile-ID or Smart-ID and select "Credit line" from the left menu. To change the credit line limit, at least 4 months must have passed since concluding the agreement or the last change.

After paying the final balance of the credit line, contact us at info@esto.ee and we will deactivate your active credit line.

Log in to the ESTO self-service environment, select "Credit line" from the left menu, then click "Pay" and again "Pay" in the pop-up window that opens. The correct amount for early repayment of the credit will be generated for you. Alternatively, contact us at info@esto.ee and we will prepare a final invoice with a fixed date in .pdf format for you.

To make a payout from the credit line, you must be logged in to ESTO self-service. In the "Credit line" section, click the "Make a payout" button and select an amount that suits you.

You can use the convenience service "Instant payment", which transfers money to your bank account within minutes (including on holidays and weekends). Using this service adds a fee of €19.90, which is added to your next month's invoice. It is currently not possible to make an instant payment to the current accounts of foreign banks.

A standard payout is transferred to your bank account within 1-3 days. Alternatively, you also have the option to choose Instant payment.

At the beginning of each month we send you an invoice for the minimum instalment, which is due on the 15th. You are free to choose how quickly and in what amount you repay the credit to us. It is important that the minimum instalment is paid on time each month.

You can make repayments to reduce the principal amount at any time in an amount that suits you. Paying the monthly minimum instalment is mandatory until the credit is fully repaid.

ESTO Premium is a service that offers various additional benefits for a monthly fee:

• Special offers – receive the best offers and discount codes from ESTO partners by email every month
• Premium customer support – you are always in the priority queue for customer support
• SMS reminders – don't miss important payment dates and avoid late fees by receiving reminders about paying invoices via SMS

One way to join is to log in to ESTO self-service and click the "Premium" button in the left menu, then "Join Premium". You can also activate a Premium account by adding the ESTO Premium monthly fee to your monthly invoice.

To cancel the service, please log in to self-service and select "Premium" from the left menu bar. Then, under the ESTO Premium benefits, click the "Cancel Premium" button and then "Confirm". After cancelling the service, you will receive an invoice for the last used period.

ESTO issues invoices at the beginning of each month and the invoice due date is fixed as the 15th of each month. If you have active obligations with ESTO, your monthly insurance premium is added to the existing consolidated invoice. If you have no active loan obligations with ESTO, the invoice with the relevant details is sent by email. In the first month you have to pay two months' premium for the insurance, because the insurance is paid in advance, not in arrears. Afterwards you pay one month at a time.

No, the insurance does not cover your loan obligations. This is income loss insurance that helps you cover everyday expenses if you temporarily lose your income. It is not equivalent to loan protection insurance.

The insurance waiting period is the period after concluding the agreement during which the insurance does not yet cover events or pay out benefits. For example: if you conclude an insurance agreement and the waiting period is 30 days, then if something happens during this time (for example you fall ill or lose your job), it is not subject to compensation. After the waiting period ends, the insurance takes effect and, if necessary, you can already receive benefits.

A new insurance agreement can be concluded 5 business days after cancelling the previous policy.

Yes. Each new insurance agreement starts on the same basis as the first – that is: a new waiting period (60 days for job loss and 30 days for incapacity for work) and a two-month prepayment is again taken into account.

The insurance agreement covers the policyholder's involuntary job loss and temporary incapacity for work:

• involuntary job loss is the termination of the employment contract by the employer for economic reasons, namely redundancy, employer bankruptcy, cessation of the employer's activities, collective termination of employment contracts, and material breach by the employer of an obligation arising from the employment contract
• temporary incapacity for work is the policyholder's temporary loss of working ability due to illness or accident, on account of which a certificate of incapacity for work has been issued to the policyholder and submitted to and confirmed by the Health Insurance Fund (Tervisekassa)

A consumer loan is a flexible and convenient solution that is disbursed directly to your personal current account! A fixed payment schedule and monthly instalment – you know exactly when and how much you pay. A long repayment period – up to 120 months, depending on the type of loan. Fast disbursement – the entire requested amount reaches your account within just 1-3 business days.

ESTO offers 4 types of consumer loan to suit different needs: Flash Loan, Small Loan, Renovation Loan, Car Loan.

You can submit a loan application if:

• you are 19–70 years old at the time of applying
• your permanent or main place of residence is in Estonia
• you have a regular income in Estonia
• you have no active payment defaults or previous payment delays
• your financial obligations are in reasonable balance with your income and obligations

There can be several reasons for receiving a negative loan decision:

• your income is not sufficiently stable or high
• you have active debts to ESTO
• the difference between your obligations and income is too small
• you have an active payment default in the Creditinfo/taust.ee register
• your creditworthiness is currently not good enough

Based on the concluded agreement, the entire loan amount is transferred to your personal bank account within 1-3 business days.

In the case of a partial early repayment, the contract term may change. A partial early repayment will adjust your payment schedule and shorten the repayment period.

You can pay your monthly instalment/invoice in our self-service. Log in, select "Invoices" from the menu on the left and then a suitable payment method. You can also make the payment by transfer from your home bank – you will find the details on the invoice sent to you.

You can conveniently repay the consumer loan early in our self-service environment. To do so, log in, select "Agreements" from the menu, click on the relevant agreement and select "Pay" from the pop-up window that opens. The system automatically displays the final balance to you. In the repayment amount field, enter the displayed final balance to repay and terminate the agreement early. You do not have to pay interest for unused credit in the future.

If you have lost your job, your income has decreased or other difficulties have arisen, please contact us immediately. The sooner we get in touch with you, the faster we can find a suitable solution. If possible, we offer to extend the loan repayment period, thereby reducing the monthly payment. It is also possible to apply for a payment holiday of up to three months. Please send us an email at debt@esto.ee.

ESTO instalment is a payment solution that lets you split your order into instalments and choose a period between 3 and 60 months. A contract fee, interest and an administration fee may be added when concluding the agreement. You can see your personal terms when finalising the ESTO instalment agreement.

In an online store: add the products to the cart, select ESTO instalment as the payment method at checkout, confirm your details, choose a period and sign the agreement digitally (ID-card, Mobile-ID or Smart-ID). In a physical store: inform the salesperson that you want to pay with ESTO instalment and follow the further instructions.

An instalment agreement can only be concluded by a private individual. Today ESTO does not offer financing options to companies. NB! Company details added in the store's shopping cart are not added to the agreement.

There can be several reasons for receiving a negative response:

• your income is not sufficiently stable or high
• you have active debts to ESTO
• the difference between your obligations and income is too small
• you have an active payment default in the Creditinfo/taust.ee register
• your creditworthiness is currently not good enough

You can see the status of your instalment agreement, the payment schedule and the concluded agreement in our self-service at profile.esto.ee under "Agreements". Use your Smart-ID, Mobile-ID or ID-card to log in.

If the total amount of your order has changed, the store must make the corresponding change to your agreement. Please be sure to inform the store so that they update your agreement. We will send you the new payment schedule by email.

ESTO offers payment solutions in more than 3000 stores. You will find the relevant information on the website of the store you want. Learn more about ESTO's partners: ESTO partner stores.

You can convert the agreement into an ESTO credit line and thereby reduce your monthly payment. To do so, log in to ESTO self-service and select "Agreements" from the left menu. Click the "Reduce your monthly payment" button next to the relevant loan agreement and review the terms. After changing the agreement, it is not possible to restore the agreement.

To pay for the agreement, we send you a monthly invoice to the email address indicated in your ESTO profile. You can pay the invoice via the payment link or make the transfer manually. Partial early repayment is possible — if you have already made one or are planning to, please send a written request to info@esto.ee specifying the repayment amount and the contract the payment should be applied to.

If you chose a down payment when signing the instalment agreement, you must pay it immediately. We sent the information needed for payment to your email right after signing the agreement. You can also see it at any time in ESTO self-service.

Your payment must arrive in ESTO's bank account no later than the payment date agreed in the contract.

In the case of a partial early repayment, the contract term may change. A partial early repayment will adjust your payment schedule and shorten the repayment period.

You can conveniently repay your instalment agreement early in our self-service environment. Log in, select "Agreements" from the left menu, click on the desired agreement and select "Pay" from the pop-up window that opens. The system automatically calculates the correct amount to repay and terminate the agreement early. You do not have to pay future interest for unused credit.

If you are not satisfied with the ordered product and have returned it, the store must cancel your agreement. Please be sure to contact the store and ask them to cancel the loan agreement. If you have already paid an instalment or invoice, we will refund that amount to the bank account you specify within a maximum of 7 days.

The ESTO user account is a fee-free platform where you can see all your ESTO transactions and agreements.

If you cannot log in to the ESTO customer environment using ID-card, Mobile-ID or Smart-ID, please first close all websites and applications and be sure to use the Google Chrome browser. If the problem persists, please contact us at info@esto.ee.

You can review your agreements in ESTO self-service. Log in and select "Loan agreements" from the menu on the left of the page.

Log in to your ESTO account and you will find the "Profile" section in the menu on the left. There you can change your email, home address, phone number and other personal data. For security reasons, customers cannot change their name. If your name has changed, please send us an email at info@esto.ee.

Log in to ESTO self-service and select "Profile" from the menu on the left. There you can change your email address.

For security reasons, customers cannot change their name. If your name has changed in the meantime, please send an email to info@esto.ee and we will give you more detailed instructions.

You can unsubscribe from ESTO newsletters by logging in to self-service. Then select "Profile" from the left menu and switch off the relevant button in the "Marketing messages" section.

Contact the Police and Border Guard Board and your home bank. Also send us an email at info@esto.ee and our customer support will help you with the next steps.

If you have not concluded any agreement with ESTO, send us a request at info@esto.ee and we will remove your data from the system. If you have had active agreements with us, then in accordance with the GDPR and Estonian law your data is retained in the ESTO system for 10 years.

Fraud is an intentional act used to obtain something of value, usually money or personal information, by illegal or unethical means.

We can all have financial difficulties; none of us is protected from them. The most important thing is to understand that we can resolve all difficulties that arise by working together in good faith. In the case of temporary difficulties, it is necessary to contact ESTO's debt management department: by phone at +3726305974 or by email at debt@esto.ee. The most important thing is to assess your specific abilities and give an exact date when the debt will be paid.

Debt can arise if the invoice for ESTO products and services is not paid on time. A new invoice is issued on the first day of each month. Invoices must be paid by the 15th of the current month. If you do not pay the invoice by the 15th of the month, you are on the debtors' list from the next day. To avoid delays, we recommend setting up a standing payment order in your internet bank.

Debt counselling is a service based on the needs of a customer who has run into payment difficulties. The aim is to advise people who have fallen into debt or are experiencing financial difficulties. It should be kept in mind that a debt counsellor does not pay off the debt, but tries to help find a solution to the situation. It is always important to contact us in good time and talk about your concerns before the debt has already arisen. Contact us as soon as payment difficulties arise and we will help you find a solution.

The payment due date for all active agreements is fixed as the 15th of each month.

There are several ways to pay your monthly instalments or invoices:

• ESTO self-service environment – log in, select "Invoices" from the menu, find the unpaid invoice and choose a suitable payment method (bank transfer or card payment)
• Link sent by email – click the invoice link and choose a suitable payment method. Make sure you enter the correct reference number when making the payment. Payments may take 1-3 business days to arrive

To pay the monthly invoices, ESTO sends you an invoice that contains all the necessary details. You can also find them in your loan agreement or in self-service by selecting "Invoices" from the menu.

The reference number is very important for identifying the payment. If the reference number was not entered, we link the payment to your account manually, which may cause the payment to arrive with a slight delay. If the payment is not visible in your ESTO self-service within 5 business days, please be sure to contact our customer support at info@esto.ee.

Before making a payment, be sure to check all the details indicated on the invoice. If the payment nevertheless arrived incorrectly for some reason, please contact our customer support at info@esto.ee.

To clarify the invoice, please be sure to contact our customer support at info@esto.ee.

When paying via the payment link, the system adds all the information automatically, which is why a 1% service fee is added to the transaction. This is part of ESTO's terms of use. No transaction fee is added to transfers made from your home bank.

It can take 1-3 business days for a payment to arrive in our system. A payment made on Friday can be expected to arrive at the beginning of the following week. If you have paid your invoice but still receive notifications, please ignore them. The updated data will be displayed in our system as soon as possible.

You can successfully activate a payment holiday of 1-3 months in ESTO self-service. Log in and select "Invoices" from the menu. You can review the terms of the payment holiday in more detail during the process in our self-service. A payment holiday can be arranged once every 2 years.

If a debt arises, we send you reminders, and some of them are also chargeable. In addition, ESTO is obliged to disclose your debt in the payment defaults register if 45 days have passed since the payment due date. In the case of debt, contact debt@esto.ee immediately.

The payment due date for all active agreements is fixed as the 15th of each month.

We updated the formatting of your agreement type, which is why the agreement update information is displayed to you in self-service. You can download the agreement and re-read it during the process.

You can find ESTO's terms of service on our website www.esto.ee. To do so, scroll to the footer of the page and select the "Terms" button. The terms govern the financial services offered by the company, including instalment, small loan and credit line agreements.

AccountScoring is a creditworthiness check platform that lets you securely share access to your bank account data. It allows ESTO to verify your income and make a more accurate credit decision.

To make the most accurate credit decision possible, ESTO needs to confirm your income. For a fast and convenient creditworthiness check, use the page of the Estonian Information System Authority (RIA) to submit the data in a couple of clicks.

Our contact details: email: info@esto.ee or debt@esto.ee

In the case of bank links, the money arrives on the same day. For instalment, ESTO 3 and Pay Later, payouts take place 2x a week, every Tuesday and every Friday.

Please write to partner@esto.ee with your name, company and the store that needs access. Users with admin rights can add/remove employees themselves in the partner.esto.ee portal by selecting Settings -> Employees.

For instalment, the interest is dynamic, meaning the final answer becomes clear after the checks performed on the customer, but the average interest rate is 14.9%.

To create an application for a customer, you need to log in to the partner.esto.ee environment. When you log in, the company profile opens and under the "Terminal" option you can generate a new link by selecting the desired payment method.

The agreement amount can be reduced in the partner.esto.ee environment under "Applications". Clicking on the customer's order opens the "Request amount change" option. In this way, the transaction amount can only be reduced – the amount cannot be increased. If it is necessary to increase the amount of an already signed agreement, a new agreement must be created with the customer and the old one then cancelled.

Agreements can be cancelled in the partner.esto.ee environment under "Applications". Find the specific agreement you want to cancel, open it by clicking on that row and then select "Request cancellation" from the lower section.

If the customer's ESTO 3 application is rejected, our system automatically offers them a regular instalment. This offer goes only to those customers to whom we unfortunately cannot provide ESTO 3.

A customer's application may be "rejected" for various reasons. To get more detailed information, the customer must contact ESTO customer service.

The customer has received the application link but has not completed it. The "Pending" status changes when the customer has finally digitally signed the agreement. Meanings of the statuses:

• Pending/User missing – the application has not been completed by the customer
• Completed – the customer has signed the agreement and the transaction has been successfully carried out
• Rejected – the customer received a negative decision
• Cancelled – appears only when the partner cancels the agreement themselves