{"id":31959,"date":"2026-07-16T14:24:55","date_gmt":"2026-07-16T11:24:55","guid":{"rendered":"https:\/\/kodukolle.ee\/?page_id=31959"},"modified":"2026-09-10T11:01:29","modified_gmt":"2026-09-10T08:01:29","slug":"jarelmaks","status":"publish","type":"page","link":"https:\/\/kodukolle.ee\/en\/jarelmaks\/","title":{"rendered":"Hire Purchase"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong>Don&#8217;t want to pay the whole amount at once? Pay in installments!<\/strong><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"523\" src=\"https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image.jpeg\" alt=\"\" class=\"wp-image-31962\" srcset=\"https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image.jpeg 1000w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-300x157.jpeg 300w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-767x401.jpeg 767w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-550x288.jpeg 550w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-126x66.jpeg 126w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-220x115.jpeg 220w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-415x217.jpeg 415w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">ESTO hire-purchase is an innovative payment solution that helps\u00a0 you set up a payment schedule based on the period of your choice. The payment solution makes the decision in real time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Add the products you need to your shopping cart, confirm your order and choose ESTO hire-purchase as a payment method. When confirming your purchase, select your preferred repayment period, monthly installment amount and sign the contract digitally using your ID card, Smart ID or Mobile ID.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All citizens of the Republic of Estonia aged between 18 and 70 can apply for an ESTO hire-purchase<\/li>\n\n\n\n<li>ESTO hire-purchase can be signed for legal entities.\u00a0<\/li>\n\n\n\n<li>ESTO hire-purchase is offered and managed by ESTO AS.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention!<\/strong> 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.\u00a0 <em>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. The hire purchase service is offered and regulated by ESTO AS.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>WHAT IS ESTO?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 &#8211; 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.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>ESTO 3 is a new generation of payment method that allows you to pay conveniently and quickly &#8211; in three equal installments, with no extra fees!<\/strong><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"523\" src=\"https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1.jpeg\" alt=\"\" class=\"wp-image-31971\" srcset=\"https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1.jpeg 1000w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-300x157.jpeg 300w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-767x401.jpeg 767w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-550x288.jpeg 550w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-126x66.jpeg 126w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-220x115.jpeg 220w, https:\/\/kodukolle.ee\/wp-content\/uploads\/2026\/09\/image-1-415x217.jpeg 415w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Choose the most popular ESTO 3-part payment method at the checkout to pay for your purchases!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ESTO 3 helps you split your purchase easily into 3 equal parts, with 0\u20ac interest and 0\u20ac extra fees!.\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No extra charges<\/li>\n\n\n\n<li>Just three equal payments over a period of three months.<\/li>\n\n\n\n<li>The first payment is always on the next month<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>WHAT IS ESTO?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 &#8211; 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See the terms and conditions here: <a href=\"http:\/\/www.esto.ee\">www.esto.ee<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need help, contact an ESTO AS employee at <a href=\"#\" data-cx=\"pjlyHiTkN2tAd0\/pQ6wTa6LJkoiDCKui2B6Js3FxRiUGuPp3MUti5FkvkyaK8VVsd\/xIicb\/u\/Z5R\/AaXO64qG+I7Q==\" data-cxm=\"secure\" data-cxk=\"87ebe810e6089bbaee2814f0bebbb4c852079eaf8af8a1c0e6a474dd7bb1d898\" data-cxi=\"10000\" class=\"cryptx-link\">&#105;&#110;&#102;&#111;&#64;e&#115;to.e&#101;<\/a> or via www.esto.ee LIVE-chat window.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Don&#8217;t want to pay the whole amount at once? Pay in installments! ESTO hire-purchase is an innovative payment solution that helps\u00a0 you set up a payment schedule based on the period of your choice. The payment solution makes the decision in real time. Add the products you need to your shopping cart, confirm your order [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-31959","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hire Purchase - Kodukolle<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kodukolle.ee\/en\/jarelmaks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hire Purchase - Kodukolle\" \/>\n<meta property=\"og:description\" content=\"Don&#8217;t want to pay the whole amount at once? 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