Instalment
You can apply for a Bigbank Instalment plan for purchases from EUR 125 to EUR 10,000.
This payment option is available to citizens of the Republic of Estonia aged 18–73, as well as foreign citizens or stateless persons residing in Estonia on the basis of a valid residence permit.
For an instalment period of up to 12 months, regardless of the purchase amount, the interest rate is 0%, the down payment is 0% and the contract fee is 0€.
You will receive a reply to your instalment application within a few minutes when applying Monday–Friday between 10:00 and 18:00, and on Saturdays between 10:00 and 15:00.
If the application is submitted via the online store and the decision is positive, the contract of purchase and sale by instalments will be sent for digital signing to the e-mail address indicated in the application. As soon as we receive the digitally signed contract, the customer can receive the goods immediately in accordance with the delivery terms. If the instalment contract cannot be signed digitally, it can be signed at any Mööbliait store.
If the application is submitted at a Mööbliait store and the decision is positive, the contract of purchase and sale by instalments will be concluded on site and, after signing the contract, the customer can immediately take the purchased goods with them.
When applying for instalment payment in a Mööbliait store, please present a valid identity document: an Estonian passport, ID card, Estonian alien’s passport, Estonian driving licence, foreign passport or seaman’s passport.
After signing the instalment contract, we recommend setting up a standing order (direct debit) with your bank for convenient monthly payments. This way you do not need to remember each due date – the required amounts will be debited from your current account automatically on the correct dates.
The service provider is Bigbank AS. Every loan is a financial obligation. Consider your decision carefully – review the terms and conditions of the loan agreement and, if necessary, consult a specialist. The annual percentage rate of charge (APR) is 0% per year under the following sample conditions: net credit amount EUR 415.00, contract period 12 months, fixed interest rate 0% per annum on the loan amount, total amount payable by the consumer EUR 415.
You can read the general terms and conditions of the Bigbank AS loan agreement here.
ESTO Instalment – don’t want to pay the full amount at once? Pay in instalments!
ESTO Instalment is a flexible payment solution that allows you to split your purchase into convenient monthly payments. Spread the total amount over a period that suits you best. You can choose the length of the period and the size of the down payment at checkout when selecting ESTO Instalment.
For an instalment period of up to 12 months, regardless of the purchase amount, the interest rate is 0%, the down payment is 0% and the contract fee is 0€.
Use ESTO Instalment in online stores and physical shops. You can find all ESTO partner stores in ESTO Market.
How to use ESTO Instalment?
1. Add the desired products to your shopping cart.
2. At checkout, choose ESTO Instalment as your payment method.
3. Select your preferred repayment period from 3 to 60 months.
4. You will receive a real-time credit decision.
5. If the decision is positive, sign the agreement digitally using your ID-card, Smart-ID or Mobile-ID.
ESTO Instalment is offered and administered by ESTO AS. The annual percentage rate of charge (APR) for ESTO AS instalment credit is 23.63% per year under the following example conditions: credit amount EUR 1490, cost of goods/services EUR 1490, down payment 0%, fixed interest rate 11.90%, contract fee EUR 0, total amount of credit and repayments EUR 1844.64, on the assumption that the credit is repaid over 24 months in equal monthly instalments of EUR 76.86. Please review the terms and conditions before signing the agreement and, if necessary, consult a specialist. Instalment payment is offered and administered by ESTO AS.
ESTO 3 payment method is an innovative solution that lets you confirm your purchase and pay conveniently and quickly – in three equal parts, with no extra fees!
ESTO 3 is the most popular next-generation way to pay. Split your purchase into 3 equal payments and get exactly what you need with no interest, no extra fees and no down payment.
Use the ESTO 3-part payment option in online stores and physical shops.
You can find all ESTO partner stores in ESTO Market.
How does it work? When you choose ESTO 3 as your payment method, you can split the total amount into 3 equal payments over 3 months without any fees.
1. Add the products you need to your shopping cart.
2. At checkout, choose ESTO 3 as your payment method.
3. You will receive a real-time credit decision.
4. If the decision is positive, confirm your purchase.
5. ESTO will send you your first invoice on the 15th of the following month.
The financial service is provided by ESTO AS. Before signing the agreement, please read the terms and conditions and, if necessary, consult a specialist. For more information, visit www.esto.ee/en
Be smart and choose ESTO Pay Later for your purchases!
ESTO Pay Later is a new way to pay for your shopping. You get to use the full purchase amount now, and only pay for it within 30 days. Get exactly what you need with no interest, no extra fees and no down payment.
Use the ESTO Pay Later payment method in online stores and physical shops. You can find all ESTO partner stores in ESTO Market.
How does it work?
When you choose ESTO Pay Later as your payment method, your order will be confirmed immediately, but you don’t have to pay right away – the payment deadline is 30 days later.
1. Add the products you need to your shopping cart.
2. At checkout, choose ESTO Pay Later as your payment method.
3. You will receive a real-time credit decision.
4. If the decision is positive, confirm your purchase.
5. ESTO will send you an invoice, which must be paid in full within 30 days.
The financial service is provided by ESTO AS. Before signing the agreement, please read the terms and conditions and, if necessary, consult a specialist. For more information, visit www.esto.ee/en
WHAT IS ESTO?
ESTO is the preferred payment solutions provider in the Baltics, making the sales experience for merchants and the shopping experience for customers radically simple and smooth. ESTO has nearly 500,000 active clients and more than 3,000 partner stores across the Baltics.
ESTO’s mission is to help partners sell and customers buy. If you need assistance, contact ESTO AS at [email protected] or visit www.esto.eu/ee/kliendile-klienditugi?lang=en.
Instalment plan for businesses
Hoovi installment plan for businesses operates similarly to the installment solutions that have become popular among individual buyers, but it is aimed 100% at businesses. The contract is made directly with the company, and the same company pays the monthly installments, not a board member as an individual. The purchased goods become the property of the company from the moment of purchase and can be recorded on its balance sheet.
· The purchase takes only a few minutes.
· The VAT on the purchased goods can be immediately accounted for as input VAT in the month of purchase
· Early repayment of the installment is without additional fees.
· Payments start from next month.
Terms:
Amount: 100€ – 20,000€
Period: 2 – 60 months
Interest rate: from 1% per month
Down payment: 0€
Contract fee: 0€
The financial service provider is Hoovi Rental OÜ (Laeva 2A, 10151 Tallinn, www.hoovi.ee). If necessary, contact Hoovi customer support – [email protected], tel 5191 9192.
