The payment by instalments is offered by ESTO, Inbank, Holm Pank 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
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.
ESTO 3 is the most popular new generation payment method. Split the purchase amount comfortably into 3 equal parts. Get exactly what you need without interest, extra fees, or down payment. Use the ESTO 3-part payment method in online stores and physical shops.
You can find all ESTO partner stores in the ESTO Market: https://esto.eu/ee/esto-market
How does it work?
By choosing ESTO 3 as your payment method, you can divide the total payment into 3 equal parts over 3 months without any fees.
- Add the necessary products to your cart.
- Choose ESTO 3 as the payment method at checkout.
- You will receive a decision in real-time.
- If the decision is positive, confirm the purchase. ESTO will send you your first invoice on the 15th of next month.
The financial service is provided by ESTO AS. Before entering into an agreement, review the terms and, if necessary, consult with a specialist. More information at www.esto.ee
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.
Telia Hire-purchase
With Telia hire-purchase, you can pay for your purchases in installments and at a pace that suits you. The application process is fast and convenient, and early repayment comes with no additional costs. For Telia customers, the monthly installment is added directly to their regular invoice, making it easy to manage without having to track multiple bills.
You can purchase goods with Telia hire-purchase under the following conditions:
- Interest rate: 21.9% (on the outstanding loan balance)
- Contract fee: €9.90–€19.90
- Down payment: starting from €0
- Hire-purchase period: 12–48 months
- Hire-purchase amount: €75–3200
Why choose Telia hire-purchase?
Credit limit
In Telia Self-Service, you can view the personal terms offered to you in advance, such as the interest rate, contract fee, and available credit limit. Additional credit can be applied for at a Telia store, where you will receive an immediate response. You do not need to be an existing Telia customer.
Billing
Telia Eesti AS issues the invoice for both the contract fee and the hire-purchase installments. For convenient billing, we recommend setting up a direct debit agreement with your preferred bank. Hire-purchase is repaid according to an annuity schedule, meaning you have one fixed monthly payment throughout the entire period.
Early termination
If you wish, you can repay the hire-purchase early without any additional fees or future interest obligations. You only need to submit a written request to terminate the Telia agreement. Upon early termination, the outstanding hire-purchase balance will be added to your next monthly Telia invoice.
For product-related questions (warranty cases, defects, etc.), please contact the seller. For hire-purchase related questions, contact Telia customer service at 123.
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.
