Payment Options · ESTO

Buy now and pay later. Choose ESTO instalment payment.

ESTO järelmaksuga saad Washleti süsteemi koju kohe. Esimene makse tuleb alles järgmisel kuul ja taotlemine võtab paar minutit.

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Example · Washlet RW

Product price (incl. VAT) 4 700 €

Period 24 months

Interest (fixed) 11,90%

Monthly payment 221,03 €

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.

Choose a product

Choose a suitable Washlet and request a quote. Model, quantity and installation are agreed during the quotation.

Choose ESTO instalments

Once the quote suits you, let us know that you wish to pay with ESTO instalments and choose a payment option: Pay later, ESTO 3 or instalments.

Complete the application via a direct link

We enter the amount and your e-mail address in the ESTO partner portal. ESTO sends you a direct link where you complete the application yourself. You receive the decision instantly.

Sign digitally and we install

Sign the contract with your ID card, Smart-ID or Mobile-ID. We then agree on the delivery and installation time. 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 4 700 EUR, cost of goods/services 4 700 EUR, down payment 0%, fixed interest rate 11,90%, contract fee 0 EUR, total amount of credit and total repayments 5 304,62 EUR, assuming the credit is repaid within 24 months in equal monthly instalments of 221,03 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.

01

Age 18 to 70

The applicant must be at least 18 and at most 70 years old.
02

Citizenship of the Republic of Estonia

Citizenship or a valid Estonian residence permit. For business clients we offer instalments with a private person's guarantee (ESTO assesses the guarantor's solvency).
03

Valid ID card, Smart-ID or Mobile-ID

A digital identification method is required to sign the contract.
04

Regular income

Salary, business income or pension that allows paying the monthly instalments.
05

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%

Option 02

ESTO 3

Three equal instalments

Period: 3 months
Contract fee: 0 €
Interest: 0%

Recommended

Option 03

ESTO instalment payment

Long-term flexible schedule

Period: up to 60 months
Contract fee: 0 €
Interest: from 9,90%

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 via the ESTO direct link. Maximum amount 10 000 €.

Pre-filled from product: Washlet RW (matte white) · 6 188 € Incl. VAT

Purchase amount €

50 € 10 000 €

Period 24 months

3 months 60 months

Monthly payment

221,03 €

Total repayments

5 304,62 €

Incl. interest 604,62 €

Place an order View suitable products

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 9.90% per year. The final rate is determined after you submit the application and ESTO assesses your solvency. 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 pay by regular bank transfer against an invoice or choose another ESTO payment option. The quote remains valid and the purchase process is not interrupted.

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 (product in its original packaging and unused), 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.

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