INSTALLMENT PAYMENT METHODS
Depending on location during order checkout, our customers are provided with a range of installment payment methods as an alternative to bank transfers and card payments. These additional methods are offered and regulated by ESTO AS or Klarna Bank AB(hereinafter referred to as ESTO or Klarna).
TRY BEFORE YOU BUY. SHOP NOW, PAY LATER
Esto – ESTO pay later
Availability: Estonia, Latvia, Lithuania
Confirm your purchase with just a few clicks. Receive the product first and pay back later within 30 days, on a flexible repayment schedule without any extra fees, no interest and no deposit. Add the products to your shopping cart, confirm your order and choose Esto Pay Later as a payment method.
Learn more: https://esto.eu/global/
Klarna – Shop now, pay later
Availability: Austria, Belgium, Denmark, Finland, Germany, Netherlands, Norway, Sweden, United Kingdom
Shop now and pay after receiving the product. Get the flexibility to pay in up to 30 days, without interest or any upfront fees. With simple top-of-mind information, the purchase is completed within seconds. Add the products to your shopping cart, confirm your order and choose Klarna as a payment method. Order checkout proceeds in the environment of Klarna.
Learn more: https://www.klarna.com/international/
PAY IN 3 PARTS
Esto 3 – Pay in 3 equal parts
Availability: Estonia, Latvia, Lithuania
ESTO 3 is a payment method that allows you to pay in three equal parts over a period of three months, with no interest and no other extra charges. The first payment is not until the following month. Add the products to your shopping cart, confirm your order and choose ESTO 3 – Pay In 3 Equal Parts as a payment method.
Learn more: https://esto.eu/global/
Klarna – Pay in 3
Availability: France, Greece, Ireland, Italy, Spain, United Kingdom
When you pay in 3 with Klarna, your purchase will be split into 3 equal payments. No interest. Ever. And, no fees when you pay on time. First payment will be collected at checkout. The remaining 2 payments are collected every 2 weeks. Add the products to your shopping cart, confirm your order and choose Klarna as a payment method. Order checkout proceeds in the environment of Klarna.
Learn more: https://www.klarna.com/international/
FINANCING
Esto hire purchase – Pay in installments
Availability: Estonia, Latvia, Lithuania
ESTO hire-purchase is a convenient payment solution, helping you to set up a payment schedule based on the period of your choice. The decision is made in real time and your purchase can be completed in less than 60 seconds. Add the products to your shopping cart, confirm your order and choose ESTO hire-purchase as a payment method. You can select your preferred time period and monthly installment amount when confirming your order. ESTO hire-purchase can be signed quickly and conveniently for legal entities by everyone aged between 18 and 70.
Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO AS or another specialist. ESTO AS loan annual percentage rate is 23.63% under the following example conditions: loan amount 1490 euros, cost of goods/services 1490 euros, down payment 0%, fixed interest rate 11.90%, contract fee 0 euros, total amount loan and repayment of 1844.64 euros, subject to repayment of the loan within 24 months, in equal monthly instalments of 76.86 euros. Before concluding the contract, read the terms and conditions and, if necessary, consult with a specialist.
Learn more: https://esto.eu/global/
Klarna – Financing
Availability: Austria, Finland, Germany, Norway, Sweden, United Kingdom
Klarna Financing gives you the flexibility to buy now and spread the cost with monthly payments. Klarna offers financing plans that range from 6-36 months with interest rates ranging from 0 – 29.99% APR. This option usually involves interest and a credit check. Add the products to your shopping cart, confirm your order and choose Klarna as a payment method. Order checkout proceeds in the environment of Klarna. Select Financing and complete a simple application with top-of-mind details. You will receive an instant decision with an offer personalized to fit your needs.
Example: 6-month payment plan for a loan of 1,000 euros in Klarna. Starting fee 0 euros, monthly fee 0 euros / month, interest 18.90%, monthly installment 176 euros, actual annual interest 18.90%, total amount to be paid 1055.90 euros. Lender: Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm. The amounts are indicative. The final cost depends on the day of the month the purchase is made.
Learn more: https://www.klarna.com/international/
ESTO is a financial services company that was founded in 2016. The brand was born out of the need for a new generation of payment solutions, suitable for both – the end consumer and the merchant. Today, ESTO offers a wide range of payment solutions in the Baltics and has a partner network of more than 2,000 partners and stores and over 200,000 customers.
WHAT IS KLARNA?
Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. In the last 17 years, technology has evolved, excited and transformed the world around us, yet our mission remains as relevant as ever, to make paying as simple, safe and above all, smooth as possible. Today Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 150 million active consumers across more than 450,000 merchants in 45 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.
