ESTO Hire Purchase – Unable to pay the full amount at once? Pay in instalments!
In cooperation with ESTO AS, Arvutipoisid.ee offers an instalment plan to both private individuals and legal persons for all products purchased from Arvutipoisid.ee, provided that the price of the purchased product individually or the total amount of the shopping cart is between 100 and 10,000€.
When paying for products or services, use the ESTO Hire Purchase - the cheapest, fastest and most convenient instalment plan in estonia! Add product(s) to cart, select ESTO Hire Purchase from payment options and apply for hire purchase. When applying, select the appropriate period, the amount of the monthly instalment and sign digitally, conveniently using an id card or mobile id. ESTO Hire Purchase is an extremely fast and convenient payment solution that helps to prepare a payment schedule for you based on the period you have chosen, i. E. , to pay in instalments. In this payment solution, credit decision is made instantly, and you can make your purchase in less than 60 seconds. After the signing of the hire purchase contract, your purchases will be delivered to you in accordance with the terms and conditions of Arvutipoisid.ee.
How it works
- Interest 11.9%
- Contract fee 0 EUR
- Term of contract up to 5 years
ESTO Hire Purchase can be applied for by estonian residents aged 18 to 70 besides private individuals, also legal persons can quickly and conveniently apply for the ESTO Hire Purchase!
If you want to buy a product in our online store with ESTO, add the product(s) to your shopping cart, select ESTO Hire Purchase from the payment options and apply for hire purchase. You will get the decision immediately: it takes up to 60 seconds to conclude the contract and complete the whole purchase process. Please follow the instructions on the screen.
ATTENTION! Each hire purchase contract is a financial commitment. Before concluding a hire purchase contract, read the terms of the respective service carefully and, if necessary, consult an expert. Every financial decision involves risks and obligations, so we ask you to think carefully about the need to use credit products.
Example of the Cost of Credit:
Service provider is ESTO AS (commercial registry code 14180709).
Arvutipoisi.ee, in cooperation with HOLM BANK AS ( www.holmbank.ee ), offers an installment payment option ( Liisi Järelmaks ) for all products purchased from Arvutipoisi.ee. Liisi Järelmaks helps you purchase the necessary goods, allowing you to choose the appropriate payment amount and contract period. After signing the contract, you will be issued with the appropriate goods in accordance with Arvutipoisi.ee's terms of sale and delivery.
Liis's advantages:
- Customers of all banks can apply for Liisi installment payments.
- You can lease both individual products and a larger shopping cart.
- The contract is concluded in the store using a payment link.
- You can choose a suitable repayment period for yourself.
Terms and conditions of the installment plan
- All citizens of the Republic of Estonia who are at least 18 years old or have a permanent residence permit in Estonia can apply for Liisi installments.
- Contract duration 1 to 120 months
- Fixed interest rate of 10.9%
- Contract fee €9.9 , which is divided equally between installments.
- Signing option Smart ID, Mobile ID or ID card
How to apply for Liisi's installment plan?
Submitting an application and concluding a contract takes place in the e-store's payment option. Add the appropriate product to the shopping cart and select Liisi installment payment as the payment method. If the decision is positive, the loan agreement will be automatically finalized. You can choose a suitable period and payment date. Then, you sign with your ID card. After signing, the store will send you the product according to their sales and delivery terms. Feel free to ask for Liisi installment payment. We will always find the most suitable solution for you!
Attention! This is a financial service. Check out the terms and conditions of the service through our customer service by phone +372 58 60 88 00 or by e-mail at info@arvutipoisid.ee , if necessary, consult an expert. Every loan is a financial obligation. Consider your decision carefully – read the terms and conditions of the loan agreement and consult an expert if necessary.
Example of the cost of credit rate:
The financial service provider is AS Holm Bank. Read the terms and conditions of the contract and consult an expert. The annual percentage rate of credit is 26% per annum under the following sample conditions: cost of goods/loan amount €419, contract fee €9.90, period 12 months, fixed interest rate 10.9% of the loan amount per annum, total amount payable €474.58 and repayment amount €474.58, number of repayment periods 12.
The service provider is Holm Bank AS.
ESTO 3 - Split the Cost of Your Cart into 3 Equal Payments!
When paying for products or services, use the convenient and fast esto 3 payment op-tion - divide the amount of your shopping cart into three equal payments! Add products to cart, confirm your order, select the esto 3 payment option and sign digitally, convenient-ly using an id card, mobile id or smart-id solution.
•Pay for your purchases in full and on time within 3 months and enjoy 0% interest
•The monthly fee is the cost of your shopping cart plus a one-time contract fee, divided into 3 equal parts
•The minimum cart amount when using ESTO 3 payment option is € 60.
•ESTO 3 Can be applied for by all Estonian residents aged 18 to 70
How it works?
ESTO 3 service provider is ESTO AS. Using this payment option is a financial decision involving risks and obligations, so please think carefully about the need to consume loan products. If you do not pay your full balance in any month by the date set out in your ESTO 3 contract, then your ESTO 3 contract will be terminated and your debt to ESTO AS will be considered a credit used under the esto overdraft agreement and additional fees will be added pursuant to the overdraft agreement. For example, for a loan amount of 200 with a fixed interest rate of 0% for 3 months and a contract fee of € 16.39, the cost of credit is 60.92 %, the monthly instalment is € 72.13 and the total amount to be repaid by the consumer is € 216.39. ESTO 3 service provider is ESTO AS.
E-mail: info@esto.ee
Phone: (+372) 622 52 52
ESTO makes shopping easier!
Choose the newest payment method on the market to pay for your purchases - ESTO Pay Later! Confirm your purchase in just a few clicks and pay back without any additional costs!
Be smart and choose ESTO Pay Later to pay for your purchases! A new and innovative payment solution helps you pay for your purchases conveniently within 30 days. ESTO Pay Later is a payment method for smart people - receive the goods immediately and pay back based on a flexible repayment schedule. Purchase exactly what you need in a few clicks - no interest, surcharges or down payment.
- Flexible repayment schedule
- Receive the goods immediately and pay within 30 days
- 0% interest and 0€ additional cost
The ESTO Pay Later payment method is offered and managed by ESTO AS.
WHAT IS ESTO? ESTO is a financial services company that was founded in 2016. The brand was born out of a need for a new generation of payment solutions that would be suitable for both the end consumer and the seller. Today, ESTO offers the largest selection of payment solutions in the Baltics, and the ESTO partner network includes over 2,000 partners and stores and over 200,000 customers.
Check out the terms and conditions here: esto.eu/ee
If necessary, contact an ESTO AS employee - info@esto.ee or www.esto.ee in the LIVE chat window.
Inbank payment next month
Arvutipoisid.ee offers you a quick and convenient way to pay for goods with the Inbank pay next month payment method.
Inbank pay next month allows you to pay for purchases only the next month, without paying interest and service fees!
Pay on the 25th of the next month
Valid for purchases 30€ – 800€
0 € surcharge
Inbank divide into parts
Pay in 3 equal installments
Valid for purchases €75 – €2500
€0 surcharge
Inbank installment payment
In the case of installment payments, additional fees apply to the customer according to the information provided at the time of signing the contract.
Installment payments are a payment solution in which the customer chooses the amount of the monthly payment and, accordingly, the length of the contract period.
Installment payments are a credit agreement and all the terms and conditions of the financial agreement apply to the agreement.
The customer can always repay the installment agreement earlier by notifying their wish at info@inbank.ee.
Installment payment terms:
Purchase amount: 100 – 10,000 EUR
Down payment from 0 EUR
Period: 3 – 60 months
Annual interest 11.0%
Contract fee: 15 €
Contract management fee: 0.9 €/month (included in installments)
The Inbank installment credit cost rate is 28.42% per annum under the following sample conditions: price of the contract item in immediate payments (net price) 1000 EUR, credit amount 1000 EUR, down payment 0 EUR, contract period 12 months, fixed interest rate per annum 11% calculated on the purchase amount, contract fee 15 EUR, monthly administration fee 0.9 EUR. Monthly installment 94.44 EUR, total credit amount and repayments 1133.22 EUR. The financial service provider is AS Inbank Finance (Niine 11, Tallinn, www.inbank.ee , tel. 640 8080). Before concluding the contract, please read the terms and conditions and consult if necessary.
The credit product service provider is AS Inbank Finance.