Instalment

You can purchase goods costing from EUR 125 to 10,000 and pay for them by instalments using the MÖÖBLIAIDA KREDIIT option. You can apply for this payment option if you are a citizen of the Republic of Estonia aged 18–75 or a foreign citizen staying in the Republic of Estonia on the basis of a valid residence permit, or a stateless person.

Instalment payment period: up to 12 months. First down payment: from 0% of the total cost. The MÖÖBLIAIDA KREDIIT instalment interest rate is fixed at 0% irrespective of the purchase sum. Contract conclusion fee: EUR 0.

The customer will get an answer to their instalment payment application within a few minutes when applying from Monday to Friday between 10 and 18 o’clock and on Saturday between 10 and 15 o’clock.

If the application was submitted via the online store and the answer was positive, the contract of purchase and sale by instalments will be e-mailed to the address provided by the customer in the application for the customer to digitally sign it. As soon as we receive the digitally signed contract, the customer can collect the goods without further delay in accordance with the online store delivery terms and conditions. If the customer cannot digitally sign the contract, they can sign it at any Mööbliait store.
If the instalment payment application was submitted at a Mööbliait store and the answer was positive, the contract of purchase and sale by instalments will be concluded there as well. Having completed the contract, the customer can immediately collect the purchased goods.
When customers are applying for purchase by instalments at a Mööbliait store, they must produce a personal identification document: passport of a citizen of the Republic of Estonia, alien’s passport of the Republic of Estonia, driving licence of the Republic of Estonia, passport of a foreign citizen or seaman’s passport.

After conclusion of the contract of purchase and sale by instalments the customer is also advised to conclude a standing order (direct debit) contract with their bank for simplified monthly instalments. The customer will not have to bear in mind each payment deadline because the correct sums will be automatically transferred from their current account on the right dates.

The service is provided by Bigbank AS and ESTO AS. Each loan is a financial obligation. Consider your decision carefully: become familiarised with the terms and conditions of the loan and, if necessary, also turn to a specialist for a consultation. The loan APR is 0% under the following example conditions: loan net sum – EUR 415, contract period – 12 months, fixed interest rate at 0% of loan sum per annum, loan gross sum – EUR 415.