For you For business
Lietuvių English Русский
Credit line Loans Ways to pay Help
Sign in Open account
For you For business
Credit line Loans Ways to pay Help
Sign in Open account
All Tips E-commerce Shopping
ESTO In-Store: How It Can Grow Your Revenue
May 27, 2025

ESTO In-Store: How It Can Grow Your Revenue

See how ESTO Pay Later boosts in-store sales and average order value, with free integration and full staff training.

ShoppingE-commerceTips
More Sales in the Digital Age: Boost In-Store Sales with ESTO Smart Payment Solutions
May 05, 2025

More Sales in the Digital Age: Boost In-Store Sales with ESTO Smart Payment Solutions

Boost your in-store sales with ESTO flexible payment solutions and increase your average order value with ESTO 3, hire purchase, and Pay Later.

ShoppingE-commerceTips
A Home Built to Last: Practical Tips From an Interior Design Expert
Apr 25, 2025

A Home Built to Last: Practical Tips From an Interior Design Expert

An interior design expert shares practical tips for building a home that's not just beautiful, but built to last and easy to live in.

Tips
Unlock growth in the Baltic retail market: simplify payments, expand your customer reach, and boost sales with ESTO Deals
Mar 27, 2025

Unlock growth in the Baltic retail market: simplify payments, expand your customer reach, and boost sales with ESTO Deals

See how ESTO Deals and comprehensive payment solutions help simplify checkout, expand your customer reach, and boost sales across the Baltics.

ShoppingE-commerceTips
What is the ESTO 3 payment solution and how do you use it?
Apr 08, 2024

What is the ESTO 3 payment solution and how do you use it?

Learn how ESTO 3 works. Examples and step-by-step info on how to use it for your next purchase.

Tips
8 Tips for Raising Kids Who Handle Money Right, Plus 3 Book Recommendations for Kids and Teens
Apr 07, 2024

8 Tips for Raising Kids Who Handle Money Right, Plus 3 Book Recommendations for Kids and Teens

Is financial literacy important for kids' futures? Here's how to help them understand what money is, where it comes from, and what to do with it.

Tips
Financial Flexibility. Is a Credit Line a Better Solution than Hire Purchase?
Apr 06, 2024

Financial Flexibility. Is a Credit Line a Better Solution than Hire Purchase?

Is financial flexibility important to you? Learn the benefits of a credit line compared to a hire purchase agreement.

Tips
Books That Will Help You Reach Financial Independence
Apr 03, 2024

Books That Will Help You Reach Financial Independence

Books that will help you reach financial freedom – insight into managing money, smart investing, and financial independence.

Tips
Your Best Trip: Practical Tips to Actually Enjoy Travel and Save Money
Mar 18, 2024

Your Best Trip: Practical Tips to Actually Enjoy Travel and Save Money

Our complete guide to travel. Tips on saving money, using discounts and loyalty programs, and planning your dream holiday with ease.

Tips
← Previous Page
1 2 3 4
Next Page →

Money on your terms — across the Baltics since 2017.

Personal

  • Credit line
  • Consumer loans
  • Ways to pay

Business

  • Payment methods
  • Marketing
  • Developers

Company

  • About
  • Careers
  • Press
  • Investors
  • Blog

Help

  • FAQ
  • Privacy
  • Cookie settings
  • Terms
  • info@esto.lt
© ESTO UAB 2017–2026. Supervised by the Financial Markets Supervisory Authority of the Bank of Lithuania.

You are on the homepage of the credit organization ESTO UAB, which offers financial services. Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO UAB or another specialist. By using the homepage, you signify your acceptance of the website's terms of use.

Example of a standard hire-purchase conditions: if you borrow 410 EUR, signing an agreement for 48 months period with annual interest rate of 14.9 %, monthly administration fee of 2.90 EUR, your monthly payment will be 16.53 EUR, BVKKMN - 44.26 %, the total amount paid will be 793.44 EUR. The conditions may change if you borrow a different amount, choose a different period or based on the results of the creditworthiness assessment.

ESTO Credit Line example: repaying withdrawn 300 EUR during the first 36 months, making monthly instalments of at least 13.99 EUR, annual interest rate will be 23.40%, withdrawal fee 10.50 EUR, monthly administration fee 3.26 EUR, the total amount paid will be 511.43 EUR, BVKKMN - 47.16%. The conditions may change if you withdraw a different amount, make different monthly instalments or based on the results of the credit assessment.

ESTO Small Loan example: when borrowing 500 EUR for the 48 months period, annual interest rate 8.9%, contract fee 7.90 EUR, monthly administration fee 1.9 EUR, monthly instalment 16,19 EUR and the total amount paid 777,12 EUR, BVKKMN - 26,33%. The conditions may change if you choose a different amount or loan period or based on the results of the credit assessment.