Financethat slidesyour way.
- No withdrawal, no costYou only pay for the amount you actually draw.
- Decreasing paymentsEach withdrawal's monthly payment shrinks over time.
- Renewing limitPart of repayments go back towards your available limit.
- No fixed termPay the minimum each month until you’re done.
Consumer loans
Big plans? There's a loan for it.
One application, one fixed monthly payment — whatever the plan. Pick a loan, set the amount and period, and see your monthly payment before you apply.
Buy now, pay later.
Thousands of stores offer ESTO payment methods.
Pay in 30 days. No interest, no fees.
Pay in three. Three equal monthly payments, starting next month. No fees.
Pay whenever. Up to 60 months, starting next month. 0 € contract fee.Brands you already shop with.
Find ESTO payment options in over 11 000 businesses. Online and in-store.
Who can apply for our services?
- At least 18 years old
- Resident of Latvia
- Regular, verifiable income
- Official ID for verification
Good to know
- The decision takes about 30 seconds. Your income and existing obligations set the limit.
- Early repayment is always free — no penalties, on any product.
- In-store hire purchase may ask for a small down payment at some merchants.
- Declined? The FAQ explains the most common reasons and when to try again.
Get the best offers before everyone else
- Campaign offers
- Exclusive merchant deals
- Product launches & updates
- Giveaways & social highlights
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Nearly 1 million people use ESTO
There's something for everyone.
Credit lineA renewing limit up to 10 000 € — withdraw anytime, pay for what you use.Small loanA flexible loan for everyday needs and unexpected costs — no collateral, no purpose questions.Fast loanSmall money, fast decision, settled out of the next paycheck — for the bills that couldn't wait until payday.Renovation loanFor home renovation and remodelling. Terms tailored to bigger projects, paid down over years not months.Vehicle loanA loan for a car, motorcycle, or any other vehicle — flexible terms, paid down monthly.Travel loanThe trip you keep planning — booked, paid for, then settled comfortably across the months that follow.Health loanDental work, treatment, the appointments that shouldn't wait — spread the cost across a year or more.Beauty loanCosmetic procedures, treatments, and beauty packages — paid down in fixed monthly instalments.Buy now, pay laterPay Later, ESTO 3 and hire purchase — at thousands of stores.
4,7
What customers say.
Friendly and helpful employees. Automated processes, and very good UI/UX (what all other competitors are lacking badly). Great experience with this company so far.Ātri un saprotoši visu paskaidro un palīdz risināt esošās problēmas👍Pēc sazināšanās ar klientu atbalstu, operatīvi tika izskatīts pieteikums un sniegts pakalpojums. Paldies par ātru un precīzu atbalstu.Reviews are shown in their original language.