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Hire Purchase in PVX Music

ESTO instalments – do not wish to pay for the whole amount at once? Pay by installments!

Purchase your product and pay over time with ESTO instalments – the most low-cost and user-friendly installment loan in Estonia!

ESTO instalments offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay. Using ESTO instalments at checkout is extremely simple, convenient and fast. Just select suitable period and insert your contact details for a real-time decision – complete your purchase within 60 seconds!

Add products to cart and for payment method select ESTO instalments in check out. Pick a loan period that fits your budget and complete the purchase with digital signing (Mobile-ID, Smart-ID or ID-card signature). Simple as that!

When making a purchase using ESTO instalments you receive the product right away (store ships your order immediately). ESTO instalments can be used for making larger purchases as well as smaller ones.

ESTO hire-purchase service is offered by ESTO AS (reg. number 14180709).

Basic requirements for the ESTO hire-purchase service are following:

  • Interest rate from 0%
  • Contract fee from 0 EUR
  • Period up to 4 years

ESTO järelmaks

People, who qualify for ESTO instalments, must remain in the age range of 18-70 years and have an Estonian citizenship.

According to the following example the credit cost rate on ESTO AS´ hire purchase contract is 19.22% per annum: credit amount 2435 EUR, fixed interest rate 9.90%, contract fee 0 EUR, management fee 0 EUR, total credit amount and repayment amount 2790.18 EUR given the credit is repaid in equal monthly installments within 18 months. Prior concluding the contract, we advise acquainting with the terms and conditions and, if necessary, consulting with a specialist.

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LHV hire purchase

With LHV hire-purchase you can pay for goods in instalments, in an e-shop and/or a regular shop.
  • You will receive a response to your application within a few minutes
  • Credit amount from 50 € to 15 000 €
  • Down-payment from 0 euros
  • Monthly instalment from 1 euro
  • There is no monthly administration fee
  • Premature payment free of charge
  • You do not need to have an account with LHV to apply for a Consumer Loan.

The hire-purchase service is offered by AS LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/en/hire-purchase and consult our expert. The monthly hire-purchase payment is 37,91 € and the annual percentage rate of charge is 25,59% on the following sample terms and conditions: cost of the product/service 700 €, down-payment 0%, credit amount 700 €, annual interest rate of 19,9% on the outstanding balance (fixed), contract fee 19,9 €, hire-purchase period of 23 months, with monthly annuity payments, in the total sum of 871,93 € and the total sum of monthly payments being 871,93 €.

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Liisi hire purchase

All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 18 years of age can use Liisi hire purchase. Your income must be at least 250 euros a month and you must not be in arrears.
  • Downpayment from €0
  • Interest rate from 9.9%
  • Contractual fee from €0
  • Management fee €0
  • Contract up to 60 months

The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate of charge is 33.74% on the following sample conditions – cost of goods/loan amount: €500; contractual fee: €15.00; repayment period: 36 months; fixed interest rate: 15.9% of loan amount per annum; total amount payable: €750.19; net repayments: €750.19; number of repayments: 36.

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