Hire-purchase

Esto hire-purchase:

Don’t want to pay the whole amount at once? Pay in installments!

ESTO hire-purchase is the fastest and most convenient payment solution that helps you set up a
payment schedule based on the period of your choice. The payment solution makes the decision in
real time and you can complete your purchase in less than 60 seconds.

Add the products you need to your shopping cart, confirm your order and choose ESTO hire-purchase
as a payment method. When confirming your purchase, select your preferred repayment period,
monthly installment amount and sign digitally and conveniently using your ID card, Smart ID or
Mobile ID.

• All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO hire-purchase
• ESTO hire-purchase can be signed quickly and conveniently for legal entities.
• ESTO hire-purchase is offered and managed by ESTO AS. 

Attention! Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. ESTO AS loan annual percentage rate is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly installments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.

WHAT IS ESTO?

ESTO is a financial services company that was founded in 2016. The brand was born out of the need for
a new generation of payment solutions, suitable for both – the end consumer and the merchant. Today,
ESTO offers a wide range of payment solutions in the Baltics and has a partner network of more than
2,000 partners and stores and over 200,000 customers.

See the terms and conditions here: www.esto.eu/ee

If you need help, contact an ESTO AS employee at info@esto.ee or via www.esto.ee LIVE-chat window.

ESTO 3 is a new generation of payment method that allows you to pay conveniently and
quickly – in three equal installments, with no extra fees!

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

ESTO 3 helps you split your purchase easily into 3 equal parts, with 0€ interest and 0€ extra
fees!

• No extra charges.
• Just three equal payments over a period of three months.
• The first payment is always on the next month

WHA IS ESTO?

ESTO is a financial services company that was founded in 2016. The brand was born out of the need for
a new generation of payment solutions, suitable for both – the end consumer and the merchant. Today,
ESTO offers a wide range of payment solutions in the Baltics and has a partner network of more than
2,000 partners and stores and over 200,000 customers.

See the terms and conditions here: esto.eu/ee

If you need help, contact an ESTO AS employee at info@esto.ee or via www.esto.ee LIVE-chat window.

LHV Hire-purchase

LHV hire-purchase makes it possible to pay for goods / services in installments.

• We will respond to your application within a few minutes.
• Deposit starting from EUR 0.
• Free early repayment.
• No monthly administrative fees.

Terms and Conditions of hire-purchase

• Interest is 11.9%.
• Contract fee starting from EUR 9.90.
• Length of the agreement starting from 3 months.
• The decision granting hire-purchase is valid for 90 days.

Additional information lhv.ee/en/hire-purchase or 6802 700

The hire-purchase service is offered by AS LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/en/hire-purchase and consult our expert.

The monthly hire-purchase payment is 37,14 € and the annual percentage rate of charge is 27,31% on the following sample terms and conditions: cost of the product/service 700 €, down-payment 0%, credit amount 700 €, annual interest rate of 11,90% of the purchase amount (fixed), contract fee 19,90 €, hire-purchase period of 24 months, with monthly annuity payments, in the total sum of 891,26 € and the total sum of monthly payments being 891,26 €.