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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, tel. 640 8080
  • Telia Eesti AS (reg. code 10234957); address Mustamäe tee 3, 15033 Tallinn, tel. 123
  • Holm Bank AS (reg. code 14080830); address Posti 30, 90504 Haapsalu; Pärnu mnt. 158/1, 11317 Tallinn, phone 675 5055
  • ESTO AS (reg. code 14180709); address Tornimäe 2, Tallinn, 15010, tel. (+372) 5809 1102

 

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.

 

Telia installment

With Telia installment payment purchase you can buy goods from both Expert Eesti OÜ stores and online shop on the following installment terms: 

  • You choose your payment  period (12 months to 48 months);
  • The interest rate is up to 21.9% and the contract fee is € 9.90 (from € 150 the contract fee is € 15.90, and from € 200 the contract fee is € 19.90);
  • You must be 18-75 years old to sign a contract;
  • Foreigners must have a long-term / permanent residence permit.

Why choose Telia installments?

We will respond to the request immediately. You don't have to be a Telia customer , nor does it matter what bank you use. Installment payment is based on an annuity schedule, ie one fixed monthly payment throughout the period.
Settlement: Telia Eesti AS invoices the contract fee and installment payments. For convenient billing, we recommend entering into a direct debit agreement with a bank that suits you.
There are no additional costs involved in terminating the contract: the early termination of the installment does not involve any additional costs, it is sufficient to submit a written application to Telia. Upon early termination, the balance of installment will be added to the next Telia monthly invoice.

 If you have any questions regarding Telia's installment  purchase please contact Telia Customer Service at no. 123.

The annual percentage rate of charge is 26.2% per annum under the following example conditions: the price of the goods is  charged at € 500; contract fee 19.90 €; the duration of the consumer credit agreement is 48 months; fixed interest calculated monthly on the loan balance of 21.9%. The amount of refunds to be paid by the consumer is € 785.22, including: payment of goods € 500; interest cost 265.32 € and contract fee 19.90 €. The installment provider is Telia Eesti AS (license number 4.1-1 / 17, address Valge 16, 19095, Tallinn). Before signing a contract, please refer to the detailed terms and conditions of the installment purchase and consult a professional if necessary.

 

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.