TYPE OF PAYMENT

1. ESTO NOMAKSA

If you don’t want to pay the whole amount at once, pay in instalments!

ESTO instalment is a fast and very convenient payment method that will prepare a payment schedule for the due date of your choice. This payment method ensures real-time decision making and will help you complete your purchase in less than 60 seconds.

Add products to your shopping cart, confirm your order, choose ESTO Deposit as your payment method and sign the transaction with one click using Smart-ID, eSignature or your online banking. ESTO standard terms and conditions for instalment:

  • Interest rate from 0%
  • Contract fee from €0
  • Term – up to 60 months

The ESTO payment is available to all adult residents of the Republic of Latvia.

The decision to use this payment method is a financial decision with risks and liabilities, so we recommend that you carefully consider your need for any loan products. Example: loan amount of 198 euro, repayment term of 6 months and fixed interest rate of 0,00 %, one-off contract fee of 10,00 euro, monthly administration fee of 2,30 euro, annual interest rate of 50,44 %, monthly payment of 35,30 euro, and total amount to be repaid by the consumer of 221,80 euro. Read the terms and conditions before concluding the contract and consult a specialist if necessary. The ESTO instalment service is offered and regulated by ESTO LV AS.

2. ESTO 3

A payment method that allows you to pay for your purchases in 3 equal instalments over 3 months. No interest or fees.
To pay for your purchases, select the popular ESTO 3 payment method from the payment section! This will help you easily split your purchase into 3 equal instalments with 0 € interest and 0 € additional fee!

  • No extra charge
  • Simple – three equal payments over three months
  • First payment always the following month

3. ESTO PAY LATER

To pay for your purchases, choose the newest payment method on the market – Esto Pay Later!

Be smart and choose Esto Pay Later, to pay for your purchases! The new and innovative payment solution helps you pay for your purchases easily within 30 days. Esto Pay Later is a smart way to pay and receive your goods instantly and pay back within a month. Get exactly what you need in a few clicks – no interest, no extra charges.

  • Flexible repayment schedule
  • Buy now and pay within 30 days
  • 0% interest and 0 € additional fee

WHO IS IT?

ESTO is a financial services company founded in 2016. ESTO is an Estonian company founded in 2016. The brand was born out of the need for a new generation of payment solutions that would be suitable for both the end consumer and the merchant. Today, ESTO offers a wide range of payment solutions in the Baltics, with a partner network of over 2,000 partners and stores and more than 200,000 customers.
Example: loan amount of €150, repayment period of 30 days and fixed interest rate of 0.00%, one-off contract fee of €0, monthly administration fee of €0, annual interest rate of 0%, monthly payment of €150, and total amount to be repaid by the consumer of €150.

The terms and conditions can be found here: esto.eu/en. If you need assistance, please contact a member of ESTO LV AS at [email protected] or via the LIVE-chat window at esto.eu/lv.

4. KLIX PAY LATER – Buy now, pay later

  • Free application
  • Friendly conditions
  • Offers within 5 minutes
  • Trusted partners Citadele banka, Lateko līzings, Aizdevums.lv, VIZIA