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The ESTO 3 payment option – split the payment for your shopping cart into three equal instalments!

Use the quick and convenient ESTO 3 payment option to pay for goods or services – split the payment for your shopping cart into three equal instalments!

Add products to your shopping cart, confirm your order, select the ESTO 3 payment option and conveniently add your digital signature with your ID-card, a Mobile-ID or a Smart-ID.

  • When you pay for your shopping cart in full and on time in three months, including the agreement fee, your hire-purchase agreement shall be considered successfully completed and fully paid up.
  • Your monthly payment is calculated by dividing the total sum of your shopping cart into three equal parts, plus the agreement fee.
  • The minimum sum for a shopping cart when using the ESTO 3 payment option is 60 euros.
  • The ESTO 3 payment option can be applied for by all Estonian citizens aged 18-70.

ESTO 3 payment conditions

The ESTO 3 service is offered by ESTO AS. Using the ESTO 3 is a financial decision that involves risks and obligations; therefore, we recommend you thoroughly consider the need for using credit services before doing so. Should you fail to pay the instalments according to the ESTO 3 payment schedule, your ESTO 3 agreement will be terminated and your debt to ESTO AS shall be considered as used credit according to the ESTO overdraft agreement, and additional fees shall be added according to the overdraft agreement.

For example, for a credit sum of 200 euros over 3 months with 0% fixed annual interest and an agreement fee of 16.39 euros, the percentage rate of the charge shall be 60.92%, the monthly payment shall be 72.13 euros and the total sum payable by the consumer shall be 216.39 euros.

The ESTO 3 service is offered by ESTO AS.
E-mail: info@esto.ee
Phone: (+372) 622 52 52