Instalment Payments

LHV Hire-Purchase Terms

• 0% interest for the first 10 months
• Contract fee €0
• Service fee €0
• Down payment €0
• Purchase amount from €50 to €15,000
• Contract period starting from 3 months

How does it work?

1. Choose a suitable device, add it to the shopping cart and fill out the hire-purchase application – this does not obligate you to sign a contract. You can also submit the application before selecting a specific product. Submit an application

2. If the LHV hire-purchase offer suits you, choose the payment period, installment amount, and payment date.

3. You can conveniently sign the contract digitally. If you prefer, you can sign it on paper at a store.

The hire-purchase service is offered by AS LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/hire-purchase and consult our expert. The monthly hire-purchase payment is 120 € and the annual percentage rate of charge is 0% on the following sample terms and conditions: cost of the product/service 1200 €, down-payment 0%, credit amount 1200 €, annual interest rate of 0% of the purchase amount (fixed), contract fee 0 €, monthly service fee 0 €, hire-purchase period of 10 months, with monthly annuity payments, in the total sum of 1200 € and the total sum of monthly payments being 1200 €.

More information

lhv.ee/jarelmaks

6 802 700

Do you want to pay over a longer period, in three equal instalments or next month?

You can choose the payment solution that suits you best in the iDeal.ee e-shop and in our shops. By choosing the iDeal payment solution, you’ll get the best pay-later terms on selected Apple products.

Applying for iDeal payment methods is as quick and easy as paying with card. Once you’ve selected your new Apple device, choose the most convenient pay-later solution at the checkout and you’ll get a decision in minutes, after which your order will be processed instantly. The financial service is provided by Inbank Finance AS.

iDeal – hire-purchase

• Purchase amount 100-10 000€
• Period 3-48 months
• Contract fee 0€
• Down payment from 0€
• Interest rate starting from 9,9%
• Administrative fee €2.99/month

iDeal - pay in three equal instalments

• 0€ additional fees
• First instalment payment in a month
• Applies to purchases €75-2500

iDeal - pay in the following month

• Pay on the 25th day of the next month
• 0€ additional fees
• Return the products before the payment date and only pay for the products you keep
• Applies to purchases from €30-800

Note: This is a financial service. The annual percentage rate on Inbank hire-purchase is 24,68% on the following sample conditions: price of object of contract when paying immediately (net price) €1000, credit amount €1000, down payment €0, contract period 24 months, fixed interest rate 9.9% calculated on the purchase price, contract fee €0, monthly administration fee €2.99. Monthly instalment €52,03 total amount of credit and repayments €1248,72. The credit provider is AS Inbank Finance. Before entering into a contract, review the terms and conditions of the contract and if necessary consult with the professional.

Not willing to pay the full amount at once? Pay in installments!

With ESTO installment payment, you get an extremely fast and convenient payment solution that helps you create a payment schedule based on your chosen period. The decision is made in real-time and allows you to make the purchase in less than 60 seconds.

Add suitable products to your cart, confirm your order, and choose ESTO installment payment from the payment options. When confirming your purchase, choose your preferred period, the size of the monthly installment, and conveniently sign using your ID card, Smart-ID, or Mobile-ID.

• ESTO installment can be applied for by all citizens of the Republic of Estonia aged 18 to 70.
• ESTO installment can be quickly and conveniently arranged even for a legal entity.
• ESTO installment payment is offered and managed by ESTO AS.

ATTENTION! Each installment is a financial obligation. Before entering into an installment agreement, familiarize yourself with the terms of the respective service and, if necessary, consult with 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 euros for 24 months with a fixed interest rate of 14.90% per annum and a contract fee of 0 euros, the annual percentage rate for credit is 31.62%, the monthly payment is 70.67 euros, and the total amount to be paid back by the consumer is 1696.08 euros. Installment is a financial obligation, so before making a decision, thoroughly review the terms of the contract and, if necessary, consult with an employee of ESTO AS or another expert. Installment is offered and managed by ESTO AS.

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

Choose the highly popular ESTO 3-part payment method for paying for your purchases at the online store checkout!

ESTO 3 helps split the purchase amount into three equal parts.

• No additional fees are added.
• Simply three equal parts of payment, over three months.
• The first payment is only on the 15th day of the following month.

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

WHAT IS ESTO? ESTO is a company providing financial services, founded in 2016. The brand originated from the need for a new generation of payment solutions that would be suitable for both the end consumer and the seller. Today, ESTO offers the widest range of various payment solutions in the Baltics, and the ESTO partner network includes over 2600 partners and stores and over 300,000 customers.

Learn more about the terms here: www.esto.ee

For any inquiries, contact an employee of ESTO AS at info@esto.ee or in the LIVE chat window at www.esto.ee.