Leasing

ESTO 3 is a payment method that allows you to pay for your purchases in 3 equal installments over 3 months.

No interest or service fees.

To pay for your purchases, choose the popular ESTO 3 payment option at checkout! This will help you easily split your purchase into 3 equal parts with 0% interest and 0% additional fees!

• No additional fees
• Simple – three equal payments over three months
• The first payment is always due next month

WHAT IS ESTO?

ESTO is a financial services company founded in 2016 in Estonia. The brand emerged in response to the need for new-generation payment solutions suitable for both end consumers and merchants. Today, ESTO offers a wide range of payment solutions in the Baltics, with a network of more than 2000 partners and stores, and over 200,000 clients.

Example: Loan amount of 150 euros, loan repayment term of 3 months, and a fixed interest rate of 0.00%, a one-time contract fee of 0 EUR, monthly administration fee of 0 euros, annual interest rate of 0%, monthly payment of 50 euros, and the total amount to be repaid by the consumer is 150 euros.

You can review the terms and conditions here: esto.eu/lv

If you need assistance, contact an ESTO LV AS representative by writing to info@esto.lv or using the esto.eu/lv LIVE-chat window.

Minikid Installments – if you don't want to pay the full amount upfront, pay in parts!

Minikid Installments is a fast and very convenient payment method that will prepare a payment schedule for the term you choose. This payment method provides real-time decision making and will help you complete your purchase in less than 60 seconds.

Add products to your shopping cart, confirm the order, choose Minikid Installments as the payment method, and sign the transaction with one click using Smart-ID, eParaksts, or your internet bank. Standard terms and conditions for Minikid Installments:

• Interest rate starting from 0%
• Contract fee from 0 euros
• Term – up to 60 months

Minikid Installments are available to all adult residents of the Republic of Latvia.

Choosing to use this payment method is a financial decision involving risks and obligations, so we recommend carefully considering your need for any loan products. Example: Loan amount of 198 euros, loan repayment term of 6 months, and a fixed interest rate of 0.00%, one-time contract fee of 10.00 EUR, monthly administration fee of 2.30 euros, annual interest rate of 50.44%, monthly payment of 35.30 euros, and the total amount to be repaid by the consumer is 221.80 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult a specialist. The Minikid Installments service is offered and regulated by ESTO LV AS.