Pay by installments

Don't want to pay the whole amount at once? Pay in installments!
In the case of ESTO installments, it is an extremely fast and convenient payment solution that helps you prepare a payment schedule based on the period you choose. The payment solution makes a decision in real time and helps to complete the purchase in less than 60 seconds.
Add suitable products to the shopping cart, confirm your order and choose ESTO installment payment from the payment methods. When confirming the purchase, choose the period that suits you, the size of the monthly installment and conveniently sign digitally using an ID card, Smart-ID or Mobile-ID.

  • Anyone aged 18-70 can apply for an ESTO installment payment. citizens of the Republic of Estonia.
  • ESTO installment payments can be made quickly and conveniently even for a legal entity.
  • ESTO installment payment is offered and managed by ESTO AS.

ATTENTION! Every financial decision comes with risks and obligations, which is why we ask you to carefully consider the need to use loan products. For example, in the case of a 290-euro loan with a fixed interest rate of 14.90% per year for 12 months and a contract fee of 0 euros, the APR is 38.19%, the monthly payment is 28.67 euros, and the total amount to be repaid by the consumer is 344.04 euros. The final payment is a financial obligation, and before making a decision, thoroughly familiarize yourself with the terms of the contract and, if necessary, consult with an ESTO AS employee or other expert. Installment payment is offered and managed by ESTO AS.



Bolt and ESTO make shopping easier!

Choose the newest payment method on the market to pay for your purchases - Bolt Pay Later! Confirm the purchase with just a few clicks and pay back without any additional costs!

Be smart and choose Bolt Pay Later to pay for your purchases! A new and innovative payment solution helps to pay for purchases conveniently within 30 days. Bolt Pay Later is a payment method for smart people - receive the product immediately and pay back on the basis of a flexible repayment schedule. Buy exactly what you need in a few clicks - no interest, no premium and no down payment.

  • Flexible repayment schedule
  • Receive the goods immediately and pay within 30 days
  • 0% interest and €0 additional cost

The Bolt Pay Later payment method is offered and managed by ESTO AS.



ESTO 3 is a new generation payment method that allows you to pay conveniently and quickly - in three equal parts, without additional fees!

Choose the extremely popular ESTO 3-part payment method to pay for your purchases at the e-store checkout!

ESTO 3 helps to divide the purchase amount into 3 equal parts.

  • There is no additional charge
  • Just three equal payments over three months
  • The first payment is not until next month.


WHAT IS ESTO? ESTO is a financial services company, whose beginnings date back to 2016. The brand was born from the need for a new generation of payment solutions that would be suitable for both the end consumer and the seller. Today, ESTO offers the largest selection of different payment solutions in the Baltics, and ESTO's partner network includes over 2,000 cooperation partners and stores and over 200,000 customers.

Check the conditions here: If necessary, contact an ESTO AS employee - or in the LIVE chat window.

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