Shopping with ESTO doesn't tie you to a single payment method. Depending on what you're buying and how you'd like to spread the cost, there's a payment option built for exactly that. Here's an overview of each one — what it is, when it fits and how it works.
Small loan — for bigger or unplanned purchases
A small loan gives you the full amount at once, and you repay it on a schedule that suits you. You choose the repayment period when you apply, so your monthly payment is clear from the first instalment to the last. It works best for purchases you'd rather not pay for in one go — a bigger home appliance, an unexpected repair or any purchase where spreading the cost makes more sense than paying the full amount upfront.
ESTO 3 — split any purchase into 3 parts at no extra cost
ESTO 3 lets you split your purchase into 3 equal payments, always at no extra cost. It's one of the most popular payment methods in the Baltics, available in thousands of online stores and shops across Latvia, Estonia and Lithuania. Choose it right at checkout — no separate application needed. If you want to spread the cost without a long-term commitment, this is the simplest way.
ESTO credit line — flexible and always ready
A credit line stays open and ready to use, so you don't need to apply again for every payment. Once it's activated, you can use it for eligible purchases and pay only for the amount you actually use. That gives you the flexibility to spread costs only on the purchases where it really makes sense. A great choice if you want a payment option at hand without planning ahead.
How to choose between a small loan, ESTO 3 and a credit line
• Planning a bigger or unexpected purchase and want the money right away? → small loan
• Want to split a specific purchase into 3 parts at no extra cost? → ESTO 3
• Looking for a flexible way to spread costs across several purchases? → credit line
Frequently asked questions
What's the difference between a small loan and a credit line?
With a small loan, you get the full amount at once and repay it on a fixed schedule you choose. A credit line stays open and ready to use for multiple purchases without a new application each time — you use it only when you need it.
Can I use more than one ESTO payment option?
Yes — each option suits different purchases, so you can pick the one that fits best every time you shop.
Where is ESTO 3 available?
In thousands of online stores and shops across Latvia, Estonia and Lithuania.
Compare your options and choose the best fit for your next purchase.