Instalment Payments

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/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. 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.

iDeal cooperates with Telia Eesti AS to offer hire-purchase.

With Telia hire-purchase you can buy goods from the iDeal stores under the following terms and conditions:

• Hire-purchase contracts up to a total amount of €3200.
• You can choose the period of the hire-purchase (12-48 months).
• The interest rate is up to 21.9% and the contract fee starts from €9.90 (from €150 onwards, the contract fee is €15.90 and from €200, the contract fee is €19.90).
• You must be at 18-75 years old to enter into the contract.
• You have a stable net income (at least €300 per month)
• Foreigners must have a long-term/permanent residence permit.

Why opt for Telia hire-purchase?

Credit limit

Self service enables you to see your personal conditions, for example, interest rate, contract fee and unused credit limit. We respond to the application immediately (when assessing your creditworthiness, we take into account the requirements of responsible lending). You do not have to be a current Telia customer.

Invoicing

Hire-purchase instalments are paid on the basis of an annuity schedule, which means that the monthly payment is fixed for the duration of the period.

Early termination

If you prefer, you can pay the hire-purchase instalments prematurely without additional fees and future interest. For that you have to submit a written application to Telia to terminate the contract. Upon early termination, the rest of the hire-purchase instalments are added to your next Telia monthly invoice.

If you have any questions regarding the products (warranty cases, defects etc.), please contact iDeal. If you have questions regarding the hire-purchase, please contact Telia customer service by phone 123.

The annual percentage rate of charge is 26.2% on the following sample conditions: price of product when paying immediately €500; contract fee €19.90; duration of the credit agreement 48 months; fixed interest 21.9% calculated based on the monthly outstanding amount. The total repayment paid by the consumer is €785.22, which includes: product payments €500; interest expense €265.32 and contract fee €19.90. This is a financial service advertisement. The financial service is offered by Telia Eesti AS (licence no. 4.1-1/17, address Mustamäe tee 3, 15033 Tallinn). Before entering into a contract, review the terms and conditions of the hire service and consult a professional if necessary.