ESTO Installment - Don't want to pay the full amount right away? Pay in installments!

To pay for goods or services, use the ESTO installment plan - the most affordable, convenient and fastest installment link in Estonia!

When paying in installments, please contact ESTO or Ergo Hiir customer service and you will be provided with an installment link. When making a payment, select the payment period, the amount of the monthly payment and sign the contract with your ID-card, Smart-ID or Mobile ID.

ESTO installment is an extremely fast and convenient payment solution that will help you prepare a payment schedule based on the period you choose, i.e. pay in instalments.

This payment solution makes a real-time credit decision and helps you complete your purchase in less than 60 seconds.

ATTENTION! Each installment represents a financial obligation. Before concluding an installment agreement, read the terms of the service and, if necessary, contact an expert.

The installment service provider is ESTO AS (reg. code 14180709).

Regular ESTO installment terms are as follows:

• Fixed annual interest 11.9%

• Contract fee 0 EUR

• Period up to 5 years

All citizens of the Republic of Estonia between the ages of 18 and 70 can apply for the ESTO installment plan.

Every financial decision is associated with risks and obligations, and therefore we require careful consideration of the need to consume credit products. For example, for a loan of 1290 euros for 60 months with a fixed interest rate of 11.90% of the original amount per year, with a contract fee of 0 euros, is a loan value of 27.09%, a monthly payment of 37.27 euros and a total consumer repayment of 2236.20 Euro.

Payment Method ESTO 3 - Divide the cost of your shopping cart into three equal parts without a single additional fee!

Use the ESTO 3 payment method to pay for goods or services - share the cost of your

shopping baskets into three equal parts without a single additional fee!

Add items to your shopping cart, confirm your order and select ESTO as your payment method

3, digitally sign conveniently with ID-card, Mobile-ID or Smart-ID.

  • With timely payment of the cost of your basket in full within three months, you will not
  • no additional fees are added.
  • You will find out the amount of the monthly payment by dividing the cost of the shopping cart by three equal
  • parts.
  • The minimum shopping cart amount when using ESTO 3 is 60 euros.
  • All citizens of the Republic of Estonia aged 18-70 can apply for ESTO 3.

ESTO 3 conditions:

The ESTO 3 service is offered by ESTO AS.

Email email:

Phone: (+372) 622 52 52