ESTO consumer loan
Financing for larger purchases
Need money for larger purchases? Meet ESTO Small Loan. You can quickly fill out an online application, and ESTO will provide a financing decision after assessing your creditworthiness.
Filling out the online application takes only a few minutes.
ESTO evaluates the submitted information and provides an individual offer.
In case of a positive decision, the agreement can be confirmed remotely.
How to submit an application?
- Click the "Submit an application to ESTO" button.
- Fill in the requested information in the ESTO system.
- Upon receiving a positive decision, review the terms and confirm the agreement with a digital signature.
Attention! Before signing the agreement, carefully read the proposed contract terms and, if necessary, consult with an ESTO employee or another specialist.
For example, if you borrow 500 EUR, the annual percentage rate of charge (APR) for ESTO Small Loan will be 25.48%, the fixed interest rate – 8.90% per year, the contract fee – 7.9 EUR, the monthly administration fee – 1.90 EUR, the total loan amount and instalments – 844.2 EUR (provided that the loan is repaid over 60 months in equal monthly instalments of 14.07 EUR). Conditions may change depending on the selected amount, contract term, or creditworthiness assessment results.
Payment methods
When shopping at KamOk, you can choose one of three ESTO payment methods. The possibility to finance your purchase and the final conditions depend on ESTO's decision.
ESTO Leasing
ESTO Leasing allows you to split the purchase price into monthly installments. At checkout, select "ESTO Leasing", specify the desired repayment period, fill out the application, and upon receiving a positive decision, sign the contract with a digital signature.
Example: when purchasing an item for 410 EUR and choosing a 48-month term, the annual interest rate is 14.9%, monthly administration fee – 2.90 EUR, monthly installment – 16.53 EUR, total annual percentage rate of charge (APR) – 44.26%, total amount payable – 793.44 EUR. Specific conditions are provided in the individual ESTO offer.
ESTO 3
The purchase amount is divided into 3 equal parts. No interest, additional fees, or initial deposit. You will receive the first invoice next month, and it will need to be paid by the 15th.
ESTO Pay Later
Pay for your purchase within 30 days. No interest, additional fees, or initial deposit.
How to choose ESTO payment in KamOk store?
- Add desired items to your cart and proceed to checkout.
- Select "ESTO Leasing", "ESTO 3" or "Buy now, pay later".
- After placing the order, continue in the ESTO window, fill out the application and confirm the agreement.
Need help?
For financing applications and contract terms, please contact the ESTO Help Center.