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Payment terms

ESTO 3

ESTO 3 – a payment method that allows you to pay for your purchases in 3 equal parts within 3 months. No interest, no fees! Just pay it later!

You choose to pay with the ESTO 3 payment method - buy your shopping cart items in three equal payments without interest or commission!

 

Add the products to the shopping cart, confirm the order, choose ESTO 3 as the payment method and conveniently sign the transaction using Smart-ID or your internet bank.

 

  • If you fully pay the cost of your shopping cart on time within three months, no additional fees will be charged.

  • The monthly payment amount is calculated by dividing the value of the shopping cart into three equal parts.

  • The minimum shopping cart amount to apply for ESTO 3 is 60 EUR.

  • ESTO 3 can be used by all residents of the Republic of Latvia from the age of 18 until 70. can be used by all residents of the Republic of Latvia from the age of 18 until 70.

 

ESTO 3 payment method terms and conditions

 

The ESTO 3 payment method service provider is ESTO LV AS.
Deciding to use this payment method is a financial decision involving risks and obligations, so you are advised to carefully consider your need for any loan products. The ESTO 3 year interest rate fee is 0% if the following model conditions apply: 0% interest rate, no other fees.

If you are unable to make payments according to the ESTO 3 schedule, your ESTO 3 agreement will be terminated and the amount owed by you to ESTO LV AS will be considered as a credit withdrawn under the overdraft agreement and additional fees will be applied according to the overdraft agreement.

 

Buy now, Pay later

Pay Later - You are given 30 days extra time to pay. Buy a product or service now and pay within the next 30 days at no additional cost!

  • Receive the goods immediately

  •  Pay comfortably within 30 days

  •  No additional interest, no fees

  • You can relax. ESTO will inform you when payment time is due.

The Pay Later payment method service provider is ESTO LV AS. Deciding to use this payment method is a financial decision involving risks and obligations, so you are advised to carefully consider your need for any loan products. The Pay Later year interest rate fee is 0% if the following model conditions apply: 0% interest rate, no other fees.

 

Babystore leasing

BabyStore payment - don't want to pay the whole amount at once? Make partially payments up to 60 months!

 

Use BabyStore payment to pay for goods and services. BabyStore leasing provides the most convenient, fastest and most affordable service in Latvia!

Add products to the shopping cart, confirm the order, choose BabyStore leasing as the payment method and conveniently sign the transaction using Smart-ID or your internet bank.

BabyStore leasing is a fast and very convenient payment method, which will prepare a payment schedule for your chosen payment term.

This payment method makes a real-time decision and helps you complete your purchase in less than 60 seconds.Every purchase by using loan is a financial commitment. Before signing an loan purchase agreement, please familiarize yourself with the terms and conditions of the relevant service and, if necessary, consult a specialist.

Standard terms and conditions for BabyStore leasing:

  • Interest rate starting at 0%

  • Contract fee from 0 euro

  • Payments term – up to 60 months

BabyStore leasing is available to all residents of the Republic of Latvia from the age of 18 until 70.

Deciding to use this payment method is a financial decision involving risks and obligations, so you are advised to carefully consider your need for any loan products.

Example: loan amount EUR 198, loan repayment term 6 months and fixed interest rate 0.00%, one-time contract fee EUR 10.00, monthly administration fee EUR 2.30 annual interest rate 50.44% monthly payment EUR 35.30, and the total amount to be reimbursed to the consumer – 221.80 euros.

The BabyStore leasing method service provider is ESTO LV AS.
Email: info@esto.lv
Phone: (+371) 662 222 50