Sign in Open account
0 %Credit line — first 30 days at 0 % interest

Lithuanian financethat slidesyour way.

Credit line

Set your limit and withdraw anytime.

Apply for credit line Learn more
  • No withdrawal, no cost You only pay for the amount you actually draw.
  • Decreasing payments Each withdrawal's monthly payment shrinks over time.
  • Renewing limit Part of repayments go back towards your available limit.
  • No fixed term Pay the minimum each month until you’re done.
Consumer loans

Big plans? There's a loan for it.

One application, one fixed monthly payment — whatever the plan. Pick a loan, set the amount and period, and see your monthly payment before you apply.

Small loan

2 000 €
36 months
Monthly payment —

Indicative. Apply for an accurate offer.

Learn more
ESTO checkout on a phone in a store

Buy now, pay later.

Thousands of stores offer ESTO payment methods.

Pay in 30 days. No interest, no fees.
Pay in three. Three equal monthly payments, starting next month. No fees.
Pay whenever. Up to 60 months, starting next month. 0 € contract fee.
Learn more

Brands you already shop with.

Find ESTO payment options in over 11 000 businesses. Online and in-store.

Who can apply for our services?

  • At least 18 years old
  • Resident of Lithuania
  • Regular, verifiable income
  • Official ID for verification

Good to know

  • The decision takes about 30 seconds. Your income and existing obligations set the limit.
  • Early repayment is always free — no penalties, on any product.
  • In-store hire purchase may ask for a small down payment at some merchants.
  • Declined? The FAQ explains the most common reasons and when to try again.
More answers

Get the best offers before everyone else

  • Campaign offers
  • Exclusive merchant deals
  • Product launches & updates
  • Giveaways & social highlights
Thank you for joining our newsletter!

By subscribing you agree to our privacy policy and consent to receive updates from ESTO.

Nearly 1 million people use ESTO

There's something for everyone.

Credit line A renewing limit up to 10 000 € — withdraw anytime, pay for what you use. Small loan A flexible loan for everyday needs and unexpected costs — no collateral, no purpose questions. Fast loan Small money, fast decision, settled out of the next paycheck — for the bills that couldn't wait until payday. Renovation loan For home renovation and remodelling. Terms tailored to bigger projects, paid down over years not months. Vehicle loan A loan for a car, motorcycle, or any other vehicle — flexible terms, paid down monthly. Travel loan The trip you keep planning — booked, paid for, then settled comfortably across the months that follow. Health loan Dental work, treatment, the appointments that shouldn't wait — spread the cost across a year or more. Beauty loan Cosmetic procedures, treatments, and beauty packages — paid down in fixed monthly instalments. Buy now, pay later Pay Later, ESTO 3 and hire purchase — at thousands of stores.
4,7

What customers say.

Greit ir sklandžiai sumokėjau paskolos likutį. Kai kiti kreditoriai prašo pildyt prašymą, svarsto 5d d, tai jūs susitvarkot akimirksniu, nevilkindami laiko. Puikiai.
Pateikė geriausias sąlygas paskolai, lyginant su kitais kreditoriais. Sutarties pasirašymas buvo sklandus ir pinigai jau tą pačią dieną buvo mano sąskaitoje. Tikrai kreipsiuosi ir ateityje.
Užsakyti buvo lengva ir patogu. Bet kažkur paklydo mokėjimas. Po susisiekimo ir situacijos paaiškinimo viskas operatyviai išsiaiškinta. Viskas gerai, bet norisi kad ir tokių smulkmenų nebūtų. Penkta žvaigždutė avansu.

Reviews are shown in their original language.