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ESTO payment methods

ESTO payment methods

ESTO hire-purchase

ESTO hire-purchase is a flexible payment solution that allows you to split your payment into convenient monthly installments. Spread the purchase amount over a period that suits you best.

Use ESTO hire-purchase in online stores and physical shops. Learn more about ESTO payment methods in Lithuania at https://esto.lt/en/pay-later/.

How to pay with ESTO hire-purchase?

  1. Add the necessary products to your cart.
  2. Select ESTO hire-purchase as the payment method at checkout.
  3. Choose your preferred repayment period ranging from 3 to 60 months.
  4. You will receive a decision in real-time.
  5. If the decision is positive, digitally sign the agreement using your ID card, Smart-ID, or Mobile-ID.

The hire purchase service is provided by ESTO UAB. Example of standard hire-purchase conditions: if you borrow €410 and sign an agreement for 48 months with an annual interest rate of 14.9%, a monthly administration fee of €2.90, your monthly payment will be €16.53, BVKKMN 44.26%, and the total amount paid will be €793.44. Conditions may change if you borrow a different amount, choose a different period, or based on the results of the creditworthiness assessment. Before signing, carefully read the proposed agreement and, if necessary, consult an ESTO UAB employee or another specialist. Read the terms and legal information.

ESTO 3

ESTO 3 is the most popular new generation payment method. Split the purchase amount comfortably into 3 equal parts. Get exactly what you need without interest, extra fees, or down payment.

Use the ESTO 3 payment method in online stores and physical shops. Learn more about ESTO payment methods in Lithuania at https://esto.lt/en/pay-later/.

How does it work?

  1. Add the necessary products to your cart.
  2. Choose ESTO 3 as the payment method at checkout.
  3. You will receive a decision in real-time.
  4. If the decision is positive, confirm the purchase.
  5. ESTO will send you your first invoice on the 15th of next month.

The financial service is provided by ESTO UAB. Before entering into an agreement, review the terms and legal information and, if necessary, consult an ESTO UAB employee or another specialist.

ESTO Pay Later

ESTO Pay Later is a new way to pay for your purchases. You get the purchase immediately and need to pay the invoice within 30 days. Get exactly what you need without interest, extra fees or down payment.

Use the ESTO Pay Later payment method in online stores and physical shops. Learn more about ESTO payment methods in Lithuania at https://esto.lt/en/pay-later/.

How does it work?

  1. Add the necessary products to your cart.
  2. Choose the ESTO Pay Later payment method at checkout.
  3. You will receive a decision in real-time.
  4. If the decision is positive, confirm the purchase.
  5. ESTO will send you an invoice, which must be paid in full within 30 days.

The financial service is provided by ESTO UAB. Before entering into an agreement, review the terms and legal information and, if necessary, consult an ESTO UAB employee or another specialist.

What is ESTO?

ESTO is the preferred payment solution provider in the Baltics, making the sales experience for merchants and the purchasing experience for consumers exceptionally easy and seamless. ESTO has nearly 500,000 active customers and over 3,000 partner stores across the Baltics.

If you need assistance, contact ESTO UAB at info@esto.lt or visit https://esto.lt/en/help/.