ESTO installment payment — don’t want to pay the full amount at once? Pay in installments!

Use ESTO installment payment for paying for your purchase — the most affordable, convenient, and fastest installment link in Estonia!

When paying by installment, please contact ESTO or MISHKA.INK customer service, and they will provide you with an installment link. When making the payment, choose a suitable period, monthly installment amount, and conveniently digitally sign using your ID card, Smart-ID, or Mobile-ID.

ESTO installment payment is an extremely fast and convenient payment solution that helps you create a payment schedule based on your chosen period. This payment solution makes real-time decisions and enables you to complete your purchase in less than 60 seconds.

ATTENTION! Every installment payment is a financial obligation. Before entering into an installment agreement, familiarize yourself with the terms of the respective service and consult with an expert if necessary.

ESTO AS (reg. code 14180709) is the provider of ESTO installment payment.

The standard terms and conditions for ESTO installment payment are as follows:

• Annual interest rate 0%
• Contract fee starting from 0 euros
• Period up to 4 years

ESTO installment payment can be applied for by all Estonian citizens aged 18-70. ESTO installment payment can also be conveniently arranged for legal entities.

Every financial decision comes with risks and obligations, so we kindly ask you to carefully consider the need for consuming loan products. For example, for a loan amount of 1059 euros for 24 months, with a fixed interest rate of 13.90% per annum and a contract fee of 14.90 euros, the annual percentage rate of charge is 38.14%, the monthly installment amount is 60.72 euros, and the total amount repayable by the consumer is 1458.28 euros. The installment payment is offered and administered by ESTO AS.