Not interested to pay the full amount at once? Pay in installments!

ESTO installment plan is an innovative payment solution that helps you create a payment schedule based on your chosen period. The decision is made in real time, allowing you to complete your purchase in less than 60 seconds.

How it works:

  1. Choose a product or service: Find a suitable product or service.
  2. Inform the customer service representative: Let the customer service representative know that you want to pay with the ESTO installment plan.
  3. Confirm your order: Confirm your order, choose a suitable period, and the amount of the monthly installment.
  4. Digitally sign the contract: Use an ID card, Smart-ID, or Mobile-ID to digitally sign the contract.


  • Applicants: Estonian citizens aged 18-70.
  • Can also be arranged for a legal entity.
  • Provider and administrator: ESTO AS.
  • Annual percentage rate: 23.63% (example terms: credit amount 1490 EUR, repayment period 24 months, monthly payment 76.86 EUR, total credit amount and total repayment amount 1844.64 EUR).

Attention! Each installment plan is a financial commitment. Before signing an installment agreement, familiarize yourself with the terms of the service and consult a specialist if necessary.

What is ESTO? ESTO is a financial services company established in 2016, offering a wide range of payment solutions for both end consumers and merchants. ESTO's partner network includes over 2600 partners and stores and more than 300,000 customers.

Contact and additional information:

Review the terms here: