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Choose a product
Add the product to your cart and proceed to checkout. Quantity, model and installation are agreed before the application.
Payment Options · ESTO
Buy now and pay later. Choose ESTO instalment payment.
With ESTO instalment payment you get your Washlet system home right away. The first payment is due only next month, applying takes a couple of minutes and all communication is in Estonian.
Example · Washlet RW
Product price
1 490 €
Period
24 months
Interest (fixed)
11,90%
Monthly payment
70,07 €
Example calculation. The final rate depends on the decision of the ESTO AS credit committee. APRC 23,63% per year.
How it works
Four steps, no more.
The purchase process is as simple as any other payment method. The difference is that you split the price into instalments that suit you.
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Choose ESTO instalments
At checkout, choose ESTO instalment payment and confirm your order.
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Choose a suitable period
Choose a repayment period and monthly instalment that suit you. The decision arrives in real time.
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Sign digitally and receive the goods
Sign the contract with your ID card, Smart-ID or Mobile-ID and receive the goods right away. The first payment is due only next month.
Licence
Financial Supervision Authority
Licensed creditor
Customers
300 000+
People have chosen ESTO
Partners
2600+
Partner stores in the Baltics
Decision
In real time
Answer in under 60 seconds
Legal notice
The annual percentage rate of charge for ESTO AS instalment credit is 23,63% aastas under the following example conditions: credit amount 1 490 EUR, cost of goods/services 1 490 EUR, down payment 0%, fixed interest rate 11,90%, contract fee 0 EUR, total amount of credit and total repayments 1 681,68 EUR, assuming the credit is repaid within 24 months in equal monthly instalments of 70,07 EUR.
Review the terms before signing the contract and consult a specialist if needed. Instalment payment is provided and managed by ESTO AS.
What is ESTO? ESTO is a financial services company founded in 2016. The brand was born from the need for new-generation payment solutions suitable for both consumers and merchants. Today ESTO offers the widest range of payment solutions in the Baltics, with a partner network of over 2,600 stores and more than 300,000 customers.
Review the terms: www.esto.eu/ee. If needed, contact an ESTO AS representative — info@esto.ee or via the LIVE chat window at www.esto.eu/ee.
Terms
Who can apply.
All adult citizens of the Republic of Estonia can apply for instalment payment. ESTO checks the background automatically during the application.
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Age 18 to 70
The applicant must be at least 18 and at most 70 years old.
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Citizenship of the Republic of Estonia
Citizenship or a valid Estonian residence permit. A separate process applies to legal entities.
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Valid ID card, Smart-ID or Mobile-ID
A digital identification method is required to sign the contract.
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Regular income
Salary, business income or pension that allows paying the monthly instalments.
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Clean payment history
No active payment defaults are allowed. The background is checked automatically.
Payment options
Three options, one solution.
Choose the right solution based on purchase amount and time period. All three are offered by ESTO AS, and applying is equally simple for each.
Option 01
Pay later
Free short-term instalments
- Period
- up to 30 days
- Contract fee
- 0 €
- Interest
- 0%
Suitable for Accessories and smaller purchases up to €200.
Option 02
ESTO 3
Three equal instalments
- Period
- 3 months
- Contract fee
- 0 €
- Interest
- 0%
Suitable for Mid-priced Washlets €200–1500.
Option 03
ESTO instalment payment
Long-term flexible schedule
- Period
- up to 60 months
- Contract fee
- 0 €
- Interest
- from 11,90%
Suitable for Premium models, complete systems and installation bundles from €1500 and up.
Calculator
Calculate your monthly payment.
Move the sliders to instantly see your monthly instalment. The calculation is approximate and based on an example interest rate of 11,90% per year.
The final interest rate and contract terms depend on the decision of the ESTO AS credit committee. You receive the decision in real time after submitting the application at checkout.
1490 €
50 €
3000 €
24 months
3 months
60 months
Monthly payment
70,07 €
Total repayments
1 681,68 €
Incl. interest 191,68 €
An approximate calculation with an example interest rate. The final rate depends on the credit committee's decision.
Frequently asked questions
Answers before you ask.
Is ESTO instalment payment really free?
Pay later and ESTO 3 solutions are genuinely free for the end customer — €0 contract fee and 0% interest. Long-term ESTO instalments of up to 60 months are also free of contract fees but include a fixed interest rate starting from 11.90% per year. Exact figures can be found in the legal notice below.
What happens if the application is declined?
The decision arrives in real time. If ESTO instalments are not suitable, you can choose another payment method at checkout — bank transfer, card payment or Pay later. The purchase process is not interrupted and the product stays in your cart.
Can I repay the instalments early?
Yes. You can terminate the contract early at any time without extra fees. In that case you only pay the interest accrued for the period used. Repayment instructions are available in the ESTO self-service portal.
How do I keep track of my payments?
You can find the full payment schedule and contract details in the ESTO self-service portal at my.esto.eu. ESTO also sends a reminder a few days before each due date.
What happens if I return the product?
If you return the product under our return policy, we also terminate the instalment contract with ESTO. Any amount already paid is refunded to you and future instalments are cancelled. Returning an installed Washlet is always subject to a separate agreement.
Is my data secure?
Yes. ESTO AS is a creditor licensed by the Financial Supervision Authority and processes data in accordance with GDPR. Luvia Solutions never sees your financial data — all communication takes place directly between you and ESTO.
Next step
Choose a product. Pay at your own pace.
Browse the Washlet range. Choose ESTO instalments at checkout and bring quality home as soon as tomorrow.