Montonio Installments – get multiple offers with one application

We offer our customers several different payment options to pay for goods in installments or later.
Montonio Installments: one application – multiple offers!

Add the desired products to the shopping cart and select “Compare installment offers” as the payment method. Choose a suitable contract period and fill out the application. You will then receive financing offers from several creditors without leaving the shopping cart. Review the content and terms of the offers, choose the most suitable one for you, and complete the purchase.

Installment terms:

  • Amount to be financed with installments from 100 to 10,000 euros
  • Period 3-60 months
  • Interest from 5.9% of the loan amount

The credit mediation service is provided by Montonio Finance OÜ. The monthly installment amount is €22.22 and the annual percentage rate (APR) is 30.45% per annum under the following example conditions: cost of goods/service €400, down payment 0%, interest 9.9% of the loan amount per year (fixed), contract fee €9, monthly account management fee €1.5, installment period 24 months, payment in monthly annuity payments. Total cost of credit €533.21. If necessary, consult an expert.

Installments can be applied for on purchases starting from €100!

Montonio Split – buy now, pay later

In addition to the usual payment methods, it is now possible to split the payment for a purchase into equal installments over up to 3 months, without any additional fees. No interest, contract, or administration fees are added to the purchase amount.

When paying with Montonio Split, you can choose between several options:

  • Pay in 30 days
  • Pay in two equal installments
  • Pay in three equal installments

Using Montonio Split as a payment method in the shopping cart is simple and fast; applying and concluding the contract takes just a few clicks!

  1. Select the desired products and add them to the shopping cart.
  2. Proceed to checkout and select “Pay later, no extra fees” from the payment methods.
  3. Enter your contact details, choose whether you want to pay in 1, 2, or 3 installments, and submit the order.
  4. Identify yourself with Smart-ID, Mobile-ID, or ID-card, fill in the required fields, and submit the data.
  5. And the purchase is successfully completed! You will receive an order confirmation to your email address.

The Split payment method can be used for purchases starting from €75!

ESTO Installments – buy now and pay later

ESTO Installments is an extremely fast and convenient payment solution that helps
create a payment schedule for you based on the period you choose. The payment solution makes a decision in real time
and helps complete the purchase in less than 60 seconds.

Add suitable products to the shopping cart, confirm your order, and select ESTO Installments from the payment methods. When
confirming the purchase, choose a suitable period, the size of the monthly installment, and digitally sign conveniently using an ID-
card, Smart-ID, or Mobile-ID.

  • All citizens of the Republic of Estonia aged 18-70 can apply for ESTO Installments.
  • ESTO Installments can also be quickly and conveniently arranged for a legal entity.
  • ESTO Installments is offered and managed by ESTO AS.

ATTENTION! Every installment plan is a financial obligation. Before concluding an installment agreement, familiarize yourself with the respective
service’s terms and, if necessary, consult an expert. Every financial decision involves risks and
obligations, so we ask you to carefully consider the need for consuming loan products. For example, for a loan amount of €1290 for 24 months with a fixed interest rate of 11.90% per year and a contract fee of €0, the annual percentage rate (APR) is 23.63%, the monthly payment is €66.54, and the total amount repayable by the consumer is €1596.96. An installment plan is a financial obligation, and before making a decision, thoroughly review the contract terms and, if necessary, consult with an ESTO AS employee or another expert. Installments are offered and managed by ESTO AS.

ESTO3 – pay in 3 equal installments

The ESTO 3 payment method is an innovative solution that allows you to confirm and pay for your purchase conveniently and quickly – in three equal installments, without any additional fees!

Choose the extremely popular ESTO 3-part payment method at the e-store checkout to pay for your purchases!
ESTO 3 helps to divide the purchase amount into up to 3 equal parts.

  • No additional fees are added.
  • Simply three equal payments over three months.
  • The first payment is not due until the 15th of the following month.

The ESTO 3 payment method is offered and managed by ESTO AS.