Hire-purchase

Installment payment providers

Expert offers installment payment purchase with the following partners:

Inbank Finance AS (reg. code 16197915); address Niine 11, 10414 Tallinn, phone (+372) 640 8080
Holm Bank AS (reg. code 14080830); address Posti 30, 90504 Haapsalu; Pärnu mnt. 158/1, 11317 Tallinn, phone (+372) 675 5055
ESTO AS (reg. code 14180709); address Laeva 2, Tallinn, 10111, phone (+372) 622 52 52

Inbank AS

The installment offered in cooperation with Inbank AS is a convenient way to purchase the necessary goods, no matter which bankclient you are. If you have chosen the goods and want to pay by installments, we will offer you a suitable solution

If you want to buy goods by installments, please place an order through our online shop and choose Inbank as a payment method. You can get an answer to your request and sign a contract right away at any day and time of the week.

Installment payment terms:

A long period of 12 months and more

The cost of the purchase is 150–10 000 €
payment period 12–60 months
interest rate of 15,9% per annum, calculated on the amount of the installment payment
one-time contract fee 4% (min 8€)
monthly admin fee 0,25% (min 1,9€)

Short period of 3-6, 8 and 10 months

The cost of the purchase is 150–10 000 €
payment period 3-6, 8 and 10 months
interest rate of 0 % per annum, calculated on the amount of the installment payment
one-time contract fee 8%
monthly admin fee 0,9%

Requirements for Applicant:

age 18 to 85 (incl.)
regular verifiable monthly income of at least EUR 250. Regular income consists of: salary, pension, parent salary
previous payment behavior is correct and there are no active payment defaults
valid residence and work permit (for temporaryresidents-a residence permit) until the end of the contract period. We accept the following as an identity document: ER passport, ER Alien passport and ID card;
having a current account with one of the following banks (for sending e-invoice): Swedbank; SEB Bank; Danske Bank; Nordea Bank; Coop Bank; LHV Bank.

Attention! It is a financial service. Before signing a contract, we recommend that you familiarize yourself with the terms and conditions of the financial service, consult a specialist and consult the models of the annual percentage rate of charge! The credit cost of the offered installment payment purchase is 26.93% per annum on the following example conditions: installment amount 1000 €, contract period months 24, interest rate 12.9% on purchase amount, down payment 0%, contract fee 9.9 €, monthly installment 52,99 €, total cost of credit 1271, € 53. The service is provided by Inbank AS.

Liisi installments

The service provider is Koduliising AS. Every loan is a financial obligation. Consider your decision carefully - check the terms and conditions of the loan agreement and, if necessary, consult an expert. The annual percentage rate of charge is 39.40% for the following example conditions: cost of goods / services 419 €, contract fee 9.90 €, contract period 12 months, fixed rate 20% of loan amount per year, credit amount 419 €, total payments 509.22 € and repayment amount 509 , € 22.

NB! Every loan is a financial obligation. Consider your decision carefully - check the terms of the loan agreement and, if necessary, consult with the professionals.

LIISI advantages:

Easy business
Quick decisions
Flexible terms
Customers from all banks can apply
There are both individual products and a larger shopping cart avaiable for installment payment
You will receive a loan application within minutes
If you have to get half of the monthly payments due to the difficulties, changing the schedule is free

LIISI terms

Interest 15,9%
Contract fee € 14,90
Deposit and administration fee € 0
All citizens of the Republic of Estonia who are 18 years of age or people with a permanent residence permit in Estonia may apply for Leasing
Contract duration is 12 to 120 months
The cost of the installment purchase is € 75 - 25,000

ESTO installments

ESTO installments - don't want to pay the entire amount at once? Pay in installments!

ESTO hire-purchase is the fastest and most convenient payment solution that helps you set up a payment schedule based on the period of your choice. The payment solution makes the decision in real time and you can complete your purchase in less than 60 seconds.

Add the products you need to your shopping cart, confirm your order and choose ESTO hire-purchase as a payment method. When confirming your purchase, select your preferred repayment period, monthly installment amount and sign digitally and conveniently using your ID card, Smart ID or Mobile ID.

ATTENTION! Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist.

ESTO's installment payment terms are as follows:

Interest at the start of cooperation 11.90% and 0 contract fee
Monthly administration fee of the contract between €0.90-€2.90
Deposit is not mandatory
Period 3 up to 60 months
The minimum amount of goods purchased by installments is 50€

All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO hire-purchase. ESTO hire-purchase can be signed quickly and conveniently for a legal entities.
ESTO hire-purchase is offered and managed by ESTO AS.

ESTO AS loan annual percentage rate is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist. The hire purchase service is offered and regulated by ESTO AS.