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Buy now, pay later

Buy fast. Pay slow.

Find ESTO payment methods in thousands of stores, online and at the counter. Pick the rhythm that fits the purchase — three interest-free splits, a 30-day window, or monthly instalments for the big stuff.

Open ESTO accountCompare the three ways
  • Decision in real timeApplying takes a minute — the answer comes right away.
  • 0 % on ESTO 3 & Pay LaterInterest-free — you pay exactly the price on the tag.
  • 11 000+ storesOnline and at the counter, across the Baltics.
  • One account for everythingTrack and manage every payment in the ESTO app.

The methods our customers love.

No added costs

Settle the full amount any day within 30 days.

Pay in up to 60 parts

Spread a bigger purchase into bite-sized monthly payments.

Brands you already shop with.

Find ESTO payment options in over 11 000 businesses. Online and in-store.

What paying with ESTO looks like.

A fast, familiar checkout — from choosing a plan to walking out with the goods, in minutes.

  1. 1

    Shop as usual

    In a webshop or in-store, pick an ESTO plan as the payment method.

  2. 2

    Filling the application

    Complete the application on your own — it takes just a minute.

  3. 3

    Signing the contract

    ESTO returns a credit decision and you sign the contract digitally.

  4. 4
    Completing the purchase

    Completing the purchase

    Walk out with the goods. Find your contract in email or your customer profile.

Payment methods FAQ

Quick answers to the most common pay-later questions.

More answers
Does ESTO 3 really cost nothing?

Nothing — no interest, no fees, no catch. You pay exactly the price on the tag, split into three equal payments 30 days apart. The merchant covers the cost.

What happens if I miss the 30-day window on Pay Later?

The balance converts automatically into ESTO 3 — three equal interest-free payments — so a missed date never turns into surprise charges.

Where can I pay with ESTO?

At more than 11 000 stores across the Baltics, from electronics and furniture chains to local web shops — online, and in person at the counter.

Do I need to register before shopping?

No. You can choose ESTO for the first time right at a store's checkout — identification with Smart-ID or Mobile-ID creates your account on the spot.

How are hire-purchase instalments calculated?

You pick the term at checkout (6–60 months) and see the fixed monthly payment before you sign. The representative example at the bottom of this page shows the full cost structure.

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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.