Payments

Compare ESTO 3, ESTO hire-purchase, ESTO Pay Later and Klix Pay Later to choose the most suitable payment option.

Payments

Compare the available installment and pay-later solutions to choose the payment rhythm that fits you best.

Financing and pay-later services are provided by external partners. Please review their terms before signing the agreement.

Payment options

Choose the payment option that suits you best

If you want to split the purchase amount into several payments or pay later, here is a quick comparison of the main differences between the available options.

No interest

ESTO 3

Split the purchase amount into 3 equal payments without extra fees.

Longer term

ESTO hire-purchase

Monthly payments with a repayment period from 3 to 60 months.

Pay later

ESTO Pay Later

Receive the order now and pay within 30 days.

Remote loan

Klix Pay Later

Complete the application remotely and receive an offer in around 5 minutes.

1. ESTO 3

3 payments 0% Real-time approval

ESTO 3 is a convenient option if you want to split the purchase amount into three equal payments without interest or extra fees. You can find partner stores in the ESTO Market.

How does it work?

  1. Add the required products to your cart.
  2. Choose ESTO 3 at checkout.
  3. Receive a real-time decision.
  4. If the decision is positive, confirm the purchase.
ESTO 3

The financial service is provided by ESTO AS. Before entering into an agreement, review the terms and, if necessary, consult with a specialist. More information: www.esto.lv.

2. ESTO hire-purchase

3-60 months Monthly installments Suitable for larger purchases

ESTO hire-purchase lets you split the payment into convenient monthly installments and choose the repayment period that suits you best. You can find partner stores in the ESTO Market.

How does it work?

  1. Add the required products to your cart.
  2. Choose ESTO hire-purchase at checkout.
  3. Select a repayment period from 3 to 60 months.
  4. Receive a real-time decision and sign the agreement digitally if approved.
ESTO hire-purchase

The hire-purchase service is offered and regulated by ESTO AS. The annual percentage rate is 23.63% under the example conditions published on the partner page. Before concluding the contract, read the terms and consult with a specialist if necessary.

3. ESTO Pay Later

30 days No interest Order now, pay later

ESTO Pay Later confirms your purchase immediately, but you do not have to pay right away because the deadline is 30 days later. Partner stores are listed in the ESTO Market.

How does it work?

  1. Add the required products to your cart.
  2. Choose ESTO Pay Later at checkout.
  3. Receive a real-time decision.
  4. If approved, confirm the purchase and pay the invoice within 30 days.
ESTO Pay Later

The financial service is provided by ESTO AS. Before entering into an agreement, review the terms and consult with a specialist if necessary.

4. Klix Pay Later

Remote application Offer in around 5 minutes Sign with Smart-ID, internet bank or eParaksts

Klix Pay Later allows customers of physical and online stores to buy today and pay later. More information is available on the Klix page.

How does it work?

  1. Authenticate.
  2. Fill in the application form.
  3. Receive an offer in around 5 minutes.
  4. Sign the agreement with Smart ID, Citadele internet bank or eParaksts.

Who can use this solution?

  • Any permanent resident of Latvia aged 18 or over.
  • The borrower must have a permanent official monthly income.
  • A qualified Smart-ID, Citadele internet bank or eParaksts, plus a passport or ID card, are required for the loan application.
Klix Pay Later

Please review the financing partner’s terms, payment schedule and the full cost of the service before signing the agreement.

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