ESTO INSTALLMENT

Don't want to pay the entire amount at once? Then the ESTO installment option is for you! Pay for Saunamaailm's goods and services conveniently, flexibly and quickly in installments.

Pay in 3 equal installments

Divide the cost of the shopping cart into three equal payments without paying any extra fees!

Buy now, pay later

You can use ESTO installment payment in the Saunamaailm store and the Saunainter online store!

0% interest, 0% surcharge

For ESTO 3 and ESTO Pay Later solutions, the interest cost is 0% and there are no additional fees!

From €30 for products

You can use the installment plan on a wide range of products to ensure your sauna experience is always top-notch!

HOW TO USE ESTO IN OUR ONLINE STORE?

ESTO installment payment You can choose the period and payment amount when completing the purchase by selecting ESTO installment payment at the Saunainter online store checkout.

✔ Add the desired products to the shopping cart.
✔ Choose payment method at checkout: ESTO installment payment.
✔ Choose your preferred repayment period between 3-60 months.
✔ You will receive the decision in real time.
✔ If the decision is positive, digitally sign the contract with your ID card, Smart-ID or Mobile-ID.

ESTO 3 With this payment method, you can divide the entire payment into 3 equal installments over 3 months without any fees.

✔ Add the desired products to the shopping cart.
✔ Choose at checkout: ESTO 3 payment method.
✔ You will receive the decision in real time.
✔ If you decide to buy, confirm the purchase.
✔ ESTO will send you your first invoice on the 15th of the following month.

ESTO Pay later is a new way to pay for purchases. The purchase amount remains yours to use, you only have to pay within 30 days.

✔ Add the desired products to the shopping cart.
✔ Choose at checkout: ESTO Pay later payment method.
✔ You will receive the decision in real time.
✔ If you decide to buy, confirm the purchase.
✔ ESTO will send you an invoice, which must be paid in full within 30 days.

Financial services are provided by ESTO AS. Before entering into a contract, please read the terms and conditions and, if necessary, consult an expert. Additional information www.esto.ee.

ESTO installment payment terms

ESTO installment payment is offered and managed by ESTO AS.
The annual percentage rate of ESTO AS installment credit is 23.63% per annum under the following sample conditions: credit amount 1490 EUR, cost of goods/services 1490 EUR, down payment 0%, fixed interest rate 11.90%, contract fee 0 EUR, total credit amount and repayment amount 1844.64 EUR, provided that the credit is repaid within 24 months in equal monthly installments of 76.86 EUR. Please read the terms and conditions before concluding the contract and consult a specialist if necessary.

All citizens of the Republic of Estonia aged 18-70 can apply for an ESTO installment. ESTO installments can also be processed quickly and conveniently for legal entities.

ESTO 3 payment method terms and conditions

The ESTO 3 payment method service provider is ESTO AS.
Using a payment method is a financial decision and carries risks and obligations, so we ask you to carefully consider the need to consume loan products. The APR for ESTO 3 is 0% under the following sample conditions: interest 0% per annum, no fees. If you fail to make payments according to the ESTO 3 schedule, your ESTO 3 agreement will terminate and your debt to ESTO AS will be considered as credit used under the ESTO overdraft agreement, and additional fees will be added in accordance with the overdraft agreement.

The minimum shopping cart amount when using ESTO 3 is 36 EUR. All citizens of the Republic of Estonia aged 3-18 can apply for ESTO 70.