You can use our "Buy Now, Pay Later" payment method, as well as others, in more than 6,000 stores across the Baltics. Look for ESTO or "white label" at the checkout.

It's simple — fill out the application form, sign the agreement, and you're done! Receive the purchased item from the merchant today and start repaying the purchase amount to ESTO in installments over the following months.

Sure! If you want to reduce your monthly installment amount for a term loan, follow the instructions on your self-service portal at https://app.esto.lv. To convert, you will need to sign up for a credit line, if you don't already have one, and complete a short application process.

There can be many reasons for an unsuccessful loan application, ranging from insufficient or irregular income to active debts. To be eligible for ESTO hire purchase, customers must be creditworthy. This is the only way to ensure that customers will be able to pay in installments.

A credit line allows customers to withdraw money from their account and use it to make any purchases within the revolving credit limit. By using a credit line, customers choose repayment flexibility and can make various purchases according to their needs. Payment methods, on the other hand, are intended for specific purchases where the funds are paid to the merchant rather than the customer. If you want to purchase specific goods or services, the "Buy Now, Pay Later" payment service will suffice.