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ESTO

Consumer and retail credit and buy-now-pay-later financing for private individuals in Estonia, offered through online and in-store checkout

Tallinn, EstoniaFounded 2017esto.eeWebsite technologies

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Highlights

  • New on EvolcAdded 2026-10-28

About ESTO

ESTO AS offers consumer financing in Estonia, including a revolving credit line, small personal loans, quick loans, and purpose loans for renovation, cars, travel, dental and cosmetic treatment. It also provides buy-now-pay-later options (pay within 30 days, in three instalments, or over up to 60 months) and income protection insurance.

Its customers are private individuals who must be at least 18, Estonian residents with verifiable regular income, and who identify with Smart-ID, Mobile-ID or an ID card. Retailers can offer ESTO payment options at checkout, online and in shops. The website states that the company's services are used by nearly 1 million people and that its payment options are available in more than 11 000 businesses.

ESTO AS is registered in Tallinn, with its registered address on Pärnu maantee. The website describes the income protection product as offered in cooperation with Seesam, a partner it describes as trusted in Estonia for over 30 years.

Product: Revolving credit line, personal and purpose loans, and buy-now-pay-later payment options for consumers at online and in-store checkout.

Jobs at ESTO

No open positions listed right now.

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