Fleece jacket black/neon yellow

ESTO instalments

ESTO instalments is a flexible payment solution that lets you conveniently split the payment into monthly instalments. Spread the purchase amount over a period that suits you. You can choose the period and the size of the down payment while completing the order, once you select ESTO instalments as the payment method at checkout.

• Period 3-60 months
• Down payment from €0
• Contract fee €0
• First payment only next month
• All Estonian citizens aged 18-70 can apply

ESTO 3: pay in three equal instalments over three months with no interest, extra fees or down payment. The terms of all ESTO payment methods are on the page Finance information.

Every instalment plan is a financial commitment. ESTO instalments are offered and managed by ESTO AS. The annual percentage rate of charge is 23.63% under the following sample terms: credit amount 1,490 €, price of the goods/service 1,490 €, down payment 0%, fixed interest rate 11.90%, contract fee 0 €, total amount of credit and repayments 1,844.64 €, assuming the credit is repaid over 24 months in equal monthly instalments of 76.86 €. Before entering into a contract, read the terms and conditions and consult an expert if necessary.

Hoovi instalment payment for businesses works similarly to the instalment solutions that have become popular among private buyers, but is aimed 100% at businesses. The agreement is entered into directly with the business, and the monthly payments are made by that same business, not by a board member as a private individual. The purchased goods become the property of the business immediately upon purchase and can be recorded on its balance sheet.

• Down payment €0, contract fee €0
• Amount €200 – 20,000, term 2 – 60 months
• Interest from 1.4% per month
• The VAT on the purchased goods can be claimed as input VAT immediately in the month of purchase
• The business can regularly apply for an increase in the credit limit and a reduction in interest
• Early repayment of the instalment plan is free of additional charges
• Making a purchase takes just a few minutes, and the first payment is due only next month

The financial service provider is HOOVI Finance OÜ (Laeva 2, 10111 Tallinn, www.hoovi.ee). If necessary, contact Hoovi customer support – support@hoovi.ee, tel 5191 9192.

Request a personal quote.