# ESTO

> ESTO is a Baltic fintech offering consumer financial products — credit line, hire purchase, ESTO 3, Pay Later, small loans, income insurance — and a B2B Partner Portal for merchants, across Estonia, Latvia, and Lithuania.

This file lists the pages on https://esto.ee for use by LLMs and other automated readers. It covers both the consumer (B2C) site and the merchant (B2B) Partner Portal, which share this domain, regardless of which one served this file.

## Personal (consumer) pages

- [Beauty loan (English)](https://esto.ee/en/beauty-loan/): Beauty loan product page.
- [Beauty loan (Estonian)](https://esto.ee/et/ilulaen/): Beauty loan product page.
- [Beauty loan (Russian)](https://esto.ee/ru/kredit-na-krasotu/): Beauty loan product page.
- [Credit line (English)](https://esto.ee/en/credit-line/): Revolving credit line product page.
- [Credit line (Estonian)](https://esto.ee/et/krediidiliin/): Revolving credit line product page.
- [Credit line (Russian)](https://esto.ee/ru/kreditnaya-liniya/): Revolving credit line product page.
- [Fast loan (English)](https://esto.ee/en/fast-loan/): Fast loan product page.
- [Fast loan (Estonian)](https://esto.ee/et/valklaen/): Fast loan product page.
- [Fast loan (Russian)](https://esto.ee/ru/bystryy-kredit/): Fast loan product page.
- [Health loan (English)](https://esto.ee/en/health-loan/): Health loan product page.
- [Health loan (Estonian)](https://esto.ee/et/terviselaen/): Health loan product page.
- [Health loan (Russian)](https://esto.ee/ru/medicinskiy-kredit/): Health loan product page.
- [Help / FAQ (English)](https://esto.ee/en/help/): Customer help centre and FAQ.
- [Help / FAQ (Estonian)](https://esto.ee/et/abi/): Customer help centre and FAQ.
- [Help / FAQ (Russian)](https://esto.ee/ru/pomoshch/): Customer help centre and FAQ.
- [Income insurance (English)](https://esto.ee/en/income-insurance/): Income insurance product page.
- [Income insurance (Estonian)](https://esto.ee/et/sissetulekukindlustus/): Income insurance product page.
- [Income insurance (Russian)](https://esto.ee/ru/strahovanie-dohoda/): Income insurance product page.
- [Loans (hub) (English)](https://esto.ee/en/consumer-loan/): Hub page linking to ESTO's individual loan products.
- [Loans (hub) (Estonian)](https://esto.ee/et/tarbimislaen/): Hub page linking to ESTO's individual loan products.
- [Loans (hub) (Russian)](https://esto.ee/ru/potrebitelskiy-kredit/): Hub page linking to ESTO's individual loan products.
- [Pay Later (BNPL) (English)](https://esto.ee/en/pay-later/): Buy now, pay later checkout products (hire purchase, ESTO 3, Pay Later).
- [Pay Later (BNPL) (Estonian)](https://esto.ee/et/maksa-hiljem/): Buy now, pay later checkout products (hire purchase, ESTO 3, Pay Later).
- [Pay Later (BNPL) (Russian)](https://esto.ee/ru/oplata-pozzhe/): Buy now, pay later checkout products (hire purchase, ESTO 3, Pay Later).
- [Personal homepage (English)](https://esto.ee/en/): Consumer (B2C) homepage.
- [Personal homepage (Estonian)](https://esto.ee/et/): Consumer (B2C) homepage.
- [Personal homepage (Russian)](https://esto.ee/ru/): Consumer (B2C) homepage.
- [Renovation loan (English)](https://esto.ee/en/renovation-loan/): Renovation loan product page.
- [Renovation loan (Estonian)](https://esto.ee/et/remondilaen/): Renovation loan product page.
- [Renovation loan (Russian)](https://esto.ee/ru/remontnyy-kredit/): Renovation loan product page.
- [Small loan (English)](https://esto.ee/en/small-loan/): Small loan product page.
- [Small loan (Estonian)](https://esto.ee/et/vaikelaen/): Small loan product page.
- [Small loan (Russian)](https://esto.ee/ru/malyy-kredit/): Small loan product page.
- [Terms & legal (English)](https://esto.ee/en/terms-and-conditions/): Consumer terms, policies and other legal documents (PDFs).
- [Terms & legal (Estonian)](https://esto.ee/et/tingimused-ja-juriidiline-teave/): Consumer terms, policies and other legal documents (PDFs).
- [Terms & legal (Russian)](https://esto.ee/ru/usloviya-i-polozheniya/): Consumer terms, policies and other legal documents (PDFs).
- [Travel loan (English)](https://esto.ee/en/travel-loan/): Travel loan product page.
- [Travel loan (Estonian)](https://esto.ee/et/reisilaen/): Travel loan product page.
- [Travel loan (Russian)](https://esto.ee/ru/kredit-na-puteshestvie/): Travel loan product page.
- [Vehicle loan (English)](https://esto.ee/en/vehicle-loan/): Vehicle loan product page.
- [Vehicle loan (Estonian)](https://esto.ee/et/autolaen/): Vehicle loan product page.
- [Vehicle loan (Russian)](https://esto.ee/ru/avtokredit/): Vehicle loan product page.

## Business (Partner Portal) pages

- [Business homepage (English)](https://esto.ee/b2b/en/): Merchant (B2B) homepage.
- [Business homepage (Estonian)](https://esto.ee/b2b/et/): Merchant (B2B) homepage.
- [Business homepage (Russian)](https://esto.ee/b2b/ru/): Merchant (B2B) homepage.
- [Business loan (funding) (English)](https://esto.ee/b2b/en/funding/): Business loan product for merchants.
- [Business loan (funding) (Estonian)](https://esto.ee/b2b/et/rahastus/): Business loan product for merchants.
- [Business loan (funding) (Russian)](https://esto.ee/b2b/ru/finansirovanie/): Business loan product for merchants.
- [Developer integration (English)](https://esto.ee/b2b/en/developers/): API and plugin integration docs for merchants.
- [Developer integration (Estonian)](https://esto.ee/b2b/et/arendajale/): API and plugin integration docs for merchants.
- [Developer integration (Russian)](https://esto.ee/b2b/ru/razrabotchikam/): API and plugin integration docs for merchants.
- [Marketing materials (English)](https://esto.ee/b2b/en/marketing/): Marketing materials and ESTO Market support for partners.
- [Marketing materials (Estonian)](https://esto.ee/b2b/et/turundus/): Marketing materials and ESTO Market support for partners.
- [Marketing materials (Russian)](https://esto.ee/b2b/ru/marketing/): Marketing materials and ESTO Market support for partners.
- [Payment methods (English)](https://esto.ee/b2b/en/payment-methods/): Checkout payment methods merchants can offer (hire purchase, ESTO 3, Pay Later, cards, bank transfer).
- [Payment methods (Estonian)](https://esto.ee/b2b/et/makseviisid/): Checkout payment methods merchants can offer (hire purchase, ESTO 3, Pay Later, cards, bank transfer).
- [Payment methods (Russian)](https://esto.ee/b2b/ru/sposoby-oplaty/): Checkout payment methods merchants can offer (hire purchase, ESTO 3, Pay Later, cards, bank transfer).