The payment by instalments is offered by ESTO, Inbank, Telia or Hoovi as shown below. The payment by instalments can be chosen in the cart when placing the order by choosing the relevant service as the type of payment
ESTO 3-part payment method
Add products to your shopping cart, confirm the order, select ESTO 3 as your payment method, and sign the transaction conveniently using the Smart-ID or Mobile-ID solution, or your ID card.
- No additional charges will be added, provided that you pay the cost of your shopping cart in full and on time within three months.
- The monthly instalment amount is calculated by dividing the value of the shopping cart into three equal parts.
- All citizens of the Republic of Estonia in the age between 18 and 70 may apply for the use of ESTO 3.
ESTO 3 payment method is provided by ESTO AS.
E-mail: info@esto.ee
Telephone: (+372) 622 52 52
UPGREAT installment
Use the UPGREAT installment to pay for goods and services – the most favourable, the most convenient and the fastest hire purchase link in Estonia!
Add the desired goods to the shopping cart, confirm your order, and select the UPGREAT installment for the payment method. When paying, select the preferred period, the amount of the monthly instalment, and sign the transaction conveniently using the Smart-ID or Mobile-ID solution, or your ID card.
The UPGREAT installment is an extra-fast and convenient payment solution that helps to prepare for you a payment schedule for the payment period you have chosen. This payment solution takes the decision in real time, and helps you to complete your purchase within less than 60 seconds.
ATTENTION! Every installment is a financial obligation. Before signing a hire purchase agreement, please review the terms and conditions of the respective service and, if needed, consult a specialist.
The provider of the UPGREAT installment is ESTO AS (reg. code 14180709).
Standard terms and conditions of the UPGREAT installment:
- Interest rate from 0% to 11.90%
- Contract fee starting from 0 euros
- Period – up to 5 years
All citizens of the Republic of Estonia in the age between 18 and 70 may apply for the UPGREAT installment.
Every financial decision involves risks and obligations, and therefore you are advised to carefully consider the need for using any loan products. Example: with the loan amount of 500 euros, the loan amortisation period of 24 months, and the fixed interest rate of 11.90%, the annual percentage rate of charge will be 38.25%, the annual instalment amount – 28.69 euros, and the total amount paid by the consumer will be 688.56 euros.
Inbank hire purchase gives you more time to pay by helping you spread the purchase amount over up to four years.
- Interest rate 10.9%
- Contract fee €0
- Down payment €0
- Monthly administration fee €0,9
- Period 4-48 months
The annual percentage rate on instalments is 21.25% on the following sample conditions: price of object of contract when paying immediately (net price) €500, credit amount €500, down payment €0, contract period 12 months, fixed interest rate 10.9% calculated on the purchase price, contract fee €0, monthly administration fee €0,9. Monthly instalment €46.39, total amount of credit and repayments €556,67.
The credit provider is Inbank AS (licence no 4.1-1/31, seat of operations Niine 11, Tallinn, tel. 640 8080). Before entering into a contract, review the terms and conditions of the contract in question and if necessary, consult an employee of Inbank AS or another professional.
PLEASE NOTE! Each hire purchase is financial obligation. Before entering into a hire purchase contract, review the terms and conditions of the respective service and consult a professional where necessary.
Liisi hire purchase is offered by Holm Bank. Add the products to the cart, choose Liisi hire purchase from the payment methods, and you will be redirected to Holm’s self-service portal, where you can sign the agreement.
- Interest from 15.9%
- Contract fee: 0 €
- Down payment: from 0%
- Monthly administration fee: €2.90
- Period: up to 120 months
- Financing amount: up to €25,000
The financial services provider is Holm Bank AS. Review the terms and conditions and consult with a specialist if needed. The annual percentage rate (APR) is 31.54% under the following sample terms: loan amount €1,000, contract fee €0, period 24 months, fixed interest rate 15.9% per annum on the loan amount, total repayable €1,386.48, total repayments €1,386.48, and number of payments 24.
Hoovi installment plan for businesses
Hoovi installment plan for businesses operates similarly to the installment solutions that have become popular among individual buyers, but it is aimed 100% at businesses. The contract is made directly with the company, and the same company pays the monthly installments, not a board member as an individual. The purchased goods become the property of the company from the moment of purchase and can be recorded on its balance sheet.
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- The purchase takes only a few minutes.
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- The VAT on the purchased goods can be immediately accounted for as input VAT inthe month of purchase.
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- Early repayment of the installment is without additional fees.
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- Payments start from next month.
Terms:
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- Amount: 100€ – 20,000€
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- Period: 3 – 72 months
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- Interest rate: from 1% per month
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- Down payment: 0€
- Contract fee: 0€
The financial service provider is Hoovi Rental OÜ (Laeva 2A, 10151 Tallinn, www.hoovi.ee). If necessary, contact Hoovi customer support – support@hoovi.ee, tel 5191 9192.
