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Flexible payment options

Order processing

To confirm your order, a minimum advance payment of 50% is required. Once your furniture is ready, the remaining balance must be paid before installation.


ESTO 3 is a new generation of payment method that allows you to pay conveniently and quickly - in three equal installments, with no extra fees!

ESTO 3 helps you split your purchase easily into 3 equal parts, with 0€ interest and 0€ extra fees!

See the terms and conditions here:
  • No extra charges
  • Just three equal payments over a period of three months.
  • The first payment is always on the next month

ESTO hire-purchase

ESTO hire-purchase is the fastest and most convenient payment solution that helps you set up a payment schedule based on the period of your choice.

Attention! Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. ESTO AS loan annual percentage rate is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.
  • All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO hire-purchase
  • ESTO hire-purchase can be signed quickly and conveniently for legal entities.
  • ESTO hire-purchase is offered and managed by ESTO AS.

Inbank hire purchase

Inbank hire purchase is a flexible payment solution which gives you the ability to pay for goods and services in instalments. Inbank hire purchase allows you to split a large one-time expense into small monthly payments. Spread the purchase sum over up to 5 years. The first payment is due only a month later.

The cost rate of the Inbank hire purchase is 1,99% per annum under the following sample conditions: price of the object of the contract when paid immediately (net price) 1000 euros, loan amount 1000 euros, down payment 0 euros, contract period 12 months, annual fixed interest rate 0% of the purchase amount, contract fee 0 euros, monthly administration fee 0,9 euros. Monthly fee total 84,23 euros. The total repayable loan amount is 1010,76 euros. The financial service is provided by AS Inbank Finance. Before concluding the agreement, read the terms of the financial service and, if necessary, consult with a professional.
  • Financing amount 100 - 10 000 €
  • Period 3 - 60 months
  • 0% interest rate for 12 months
  • 8,9% interest rate from 13th month
  • Down payment 0 €
  • Contract fee 0 €
  • Administration fee 0,9 €/ month