ESTO Payment Options in the Realiseerimiskeskus Online Store
ESTO Hire Purchase is a flexible payment method that allows you to split your purchase into convenient monthly installments. Receive your products immediately and pay for them gradually according to your chosen schedule.
You can apply for ESTO directly in our checkout – the process is fully digital, and the decision is usually made in real time.
This is a financial service. Before signing any agreement, review all terms carefully, and consult a financial advisor if necessary. Every loan is a binding financial obligation that must be repaid as agreed.
Why choose ESTO Hire Purchase?
- Receive your goods immediately – pay in monthly installments.
- Fast and simple application with an instant decision.
- Choose a repayment period from 3 to 60 months.
- Available for both private and business customers.
- Interest and fees depend on your personal offer.
How to use ESTO Hire Purchase?
- Add the desired products to your cart.
- Select ESTO Hire Purchase at checkout.
- Fill in the quick application – decision in real time.
- Select your preferred period and monthly installment amount.
- Sign the agreement digitally.
- Start paying in monthly installments.
ESTO Hire Purchase – Key Information
- Age requirement: 18–70 years.
- Agreement period: 3–60 months.
- Application: 100% online, real-time approval.
- Interest & fees: depend on your personal offer.
Example calculation
Purchase amount €1490, period 24 months, no down payment. The APR may be approx. 23.63%. This is an illustrative example; actual terms are displayed before signing.
ESTO 3 – Split your purchase into 3 equal payments
ESTO 3 allows you to divide your total purchase into three equal payments without interest or extra fees, as long as payments are made on time.
How it works
- Add items to your cart.
- Select ESTO 3 at checkout.
- Submit the application – decision is instant.
- Pay for your purchase in three equal installments.
If payments are missed, the debt may continue under a standard credit agreement, which may include additional fees. Terms are outlined in your contract.
ESTO Pay Later – Pay 30 Days After Purchase
ESTO Pay Later is a new payment solution that allows you to use the purchased goods immediately and pay only after 30 days. No interest, no extra fees, no down payment.
Use ESTO Pay Later in both online stores and physical shops. All partner stores can be found at the ESTO Market.
How does it work?
- Add the items you need to your cart.
- Select ESTO Pay Later at checkout.
- Receive a real-time decision.
- Confirm your purchase.
- ESTO sends you an invoice with a 30-day payment deadline.
Financial service provided by ESTO AS. Review terms at www.esto.ee.
What is ESTO?
ESTO is the leading payment solution provider in the Baltics, making shopping experiences fast, simple, and seamless for both merchants and customers.
ESTO has nearly 500,000 active customers and over 3,000 partner stores across the Baltics. Their mission is to help merchants sell and customers buy.
Need help? Contact ESTO support at info@esto.ee or visit: esto.eu/ee/kliendile-klienditugi
Financial Service Provider
All ESTO payment solutions (Hire Purchase, ESTO 3, Pay Later) are provided by ESTO AS (registry code 14180709). Full terms available at: www.esto.ee.
Realiseerimiskeskus only mediates the financial service and is not the credit provider.
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