ESTO Finansavimas didesniems pirkiniams
Finansavimas didesniems pirkiniams
Prireikė pinigų didesniems pirkiniams? Susipažinkite su ESTO Maža paskola. Paraišką internetu užpildysite greitai, o sprendimą dėl finansavimo ESTO pateiks įvertinusi jūsų kreditingumą.
Paraiškos internetu pildymas trunka vos kelias minutes.
ESTO įvertina pateiktą informaciją ir pateikia individualų pasiūlymą.
Teigiamo sprendimo atveju sutartį galima patvirtinti nuotoliniu būdu.
Kaip pateikti paraišką?
- Paspauskite mygtuką „Pateikti paraišką ESTO“.
- Užpildykite prašomą informaciją ESTO sistemoje.
- Gavę teigiamą sprendimą, peržiūrėkite sąlygas ir sutartį patvirtinkite skaitmeniniu būdu.
Dėmesio! Prieš pasirašydami sutartį atidžiai perskaitykite siūlomos sutarties sąlygas ir, jei reikia, pasikonsultuokite su ESTO darbuotoju ar kitu specialistu.
Pavyzdžiui, jei pasiskolinsite 500 EUR, ESTO Mažos paskolos kredito kainos metinė norma bus 25,48 %, fiksuota palūkanų norma – 8,90 % per metus, sutarties sudarymo mokestis – 7,9 EUR, mėnesinis administravimo mokestis – 1,90 EUR, bendra paskolos suma ir įmokos – 844,2 EUR (su sąlyga, kad paskola grąžinama per 60 mėnesių lygiomis dalimis kas mėnesį po 14,07 EUR). Sąlygos gali kisti pasirinkus kitą sumą, sutarties terminą ar remiantis gautais kreditingumo vertinimo rezultatais.
Apmokėjimo būdai
Pirkdami KamOk galite pasirinkti vieną iš trijų ESTO atsiskaitymo būdų. Galimybė finansuoti pirkinį ir galutinės sąlygos priklauso nuo ESTO sprendimo.
ESTO lizingas
ESTO lizingas leidžia pirkinio kainą išskaidyti į mėnesines įmokas. Atsiskaitymo metu pasirinkite „ESTO lizingas“, nurodykite pageidaujamą grąžinimo laikotarpį, užpildykite paraišką ir, gavę teigiamą sprendimą, sutartį pasirašykite skaitmeniniu parašu.
Pavyzdys: perkant prekę už 410 EUR ir pasirenkant 48 mėnesių terminą, metinė palūkanų norma – 14,9 %, mėnesinis administravimo mokestis – 2,90 EUR, mėnesinė įmoka – 16,53 EUR, bendra vartojimo kredito kainos metinė norma – 44,26 %, bendra mokama suma – 793,44 EUR. Konkrečios sąlygos pateikiamos individualiame ESTO pasiūlyme.
ESTO 3
Pirkinio suma padalijama į 3 lygias dalis. Nėra palūkanų, papildomų mokesčių ar pradinio įnašo. Pirmąją sąskaitą gausite kitą mėnesį, o ją apmokėti reikės iki 15 dienos.
ESTO Mokėk vėliau
Už pirkinį sumokėkite per 30 dienų. Nėra palūkanų, papildomų mokesčių ar pradinio įnašo.
Kaip pasirinkti ESTO atsiskaitymą KamOk parduotuvėje?
- Įdėkite norimas prekes į krepšelį ir pereikite prie atsiskaitymo.
- Pasirinkite „ESTO lizingas“, „ESTO 3“ arba „Pirk dabar, mokėk vėliau“.
- Pateikę užsakymą, tęskite ESTO lange, užpildykite paraišką ir patvirtinkite sutartį.
Reikia pagalbos?
Dėl finansavimo paraiškos ir sutarties sąlygų kreipkitės į ESTO pagalbos centrą.
Delivery and payment
Delivery Policy
This policy applies to all orders placed through the kamok.lt online store.
Delivery Schedule
Orders are processed twice a week. Items are first received from the supplier, then dispatched to the buyer:
- Orders placed by Monday 12:00 PM — items are received on Tuesday morning, dispatched on Tuesday evening.
- Orders placed by Wednesday 12:00 PM — items are received on Thursday morning, dispatched on Thursday evening.
- Orders placed after the specified time will be processed in the next shipping cycle.
Note: delivery time is calculated from the moment of dispatch, not from the moment the order is placed.
Delivery Zones and Prices
🇱🇹 Lithuania
Delivery time: 1–3 business days from dispatch.
| Delivery Method | Price | Max. Weight |
|---|---|---|
| Courier → Parcel locker (Smart Posti) | 1.99 EUR | up to 30 kg |
| Parcel locker → Parcel locker (Venipak / DPD / LP Express) | 2.50–3.50 EUR | up to 10 kg |
| Door-to-door courier (Smart Posti / Venipak / LP Express) | 3.99–10.00 EUR | up to 30 kg |
| Parcel locker → Courier (DPD / Omniva) | 4.59–8.29 EUR | up to 30 kg |
| Large-size delivery / pallet | 39.99–139.00 EUR | 30–150 kg |
🇱🇻 Latvia and 🇪🇪 Estonia
Delivery time: 2–5 business days from dispatch.
| Weight | Price |
|---|---|
| up to 5 kg | 7.99 EUR |
| 5–10 kg | 14.99 EUR |
| 10–20 kg | 27.99 EUR |
| 20–40 kg | 59.99 EUR |
| 40–80 kg | 119.99 EUR |
| 80–150 kg | 200.00 EUR |
🇵🇱 Poland
Delivery time: 3–6 business days from dispatch.
| Weight | Price |
|---|---|
| up to 5 kg | 9.99 EUR |
| 5–10 kg | 19.99 EUR |
| 10–20 kg | 39.99 EUR |
| 20–40 kg | 69.99 EUR |
| 40–150 kg | 129.00 EUR |
Printful products (print on demand)
Some of our assortment (posters, clothing, accessories, etc.) is manufactured and shipped directly via Printful — a print-on-demand service. Separate delivery terms and prices apply to these products:
- Production time: 2–7 business days.
- Delivery time: 3–10 business days after production, depending on the destination country.
- Delivered to over 100 countries worldwide.
- The exact delivery cost is specified at the time of order.
- Printful products are shipped separately from other KamOk order items.
Shipment tracking
Once your order has been dispatched, you will receive an email notification with a tracking number. You can track your shipment directly through the carrier's website:
Large-sized goods
Delivery of goods weighing more than 30 kg or having large dimensions (e.g., bathroom furniture, shower cabins, radiators) is arranged individually. After placing the order, we will contact you to agree on the delivery time and location.
Delivery of such goods is carried out to the door (not into the apartment or upstairs). If lifting is required, please inform us in advance.
Non-standard cargo and delivery price clarification
In some cases, the delivery cost of an order may differ from the price indicated at the time of ordering — this may occur due to non-standard dimensions, weight, or special delivery conditions. In such cases:
- We will contact you before shipping the order and inform you about the exact delivery price.
- If the new price is not acceptable to you, you have the right to cancel the order. In this case, we will refund the full amount paid.
- The order will be shipped only after receiving your confirmation.
If the shipment is not received or delayed
- If the shipment is not delivered within the specified time, first check the tracking number on the carrier's website.
- If the shipment is shown as delivered but you have not received it, please contact us within 3 business days.
- In case of a lost shipment, we will initiate an investigation with the carrier. A resolution will be provided within 14 business days.
If the item is received damaged
- Upon receiving the shipment, before signing, check the condition of the packaging.
- If the packaging is damaged, draw up a damage report with the carrier or refuse to accept the shipment.
- Inform us of any damage within 24 hours of receipt, providing photographs.
- Contact: info@kamok.lt or +370 603 83079.
Holiday periods
During Lithuanian public holidays (Christmas, New Year, St. John's Day, etc.), order processing and delivery may be delayed. We will inform you of any possible delays in advance via email or on the website.
Contact
For any questions regarding delivery:
- Email: info@kamok.lt
- Tel.: +370 603 83079
Free consultation regarding repairs, materials, and pet supplies.
Sometimes buying a product isn't the hardest part. The hardest part is understanding what is truly worth buying, how much material will be needed, and whether the chosen solution will suit a specific house, renovation, garden, or pet.
That's why at KamOk store, we offer not only products but also free practical consultations.
Behind KamOk stands a person with over 23 years of experience in renovation, interior finishing, material selection, and practical home solutions. We also have many years of experience with dogs, their care, breeding, training, and choosing the right products for pets.
If you don't know where to start, what to choose, or how to avoid overpaying — write to us.
What can we help you with?
Initial consultation for renovation and finishing
We can help you assess what materials or tools you might need for your work:
- wall preparation;
- painting;
- plastering;
- sanding;
- tile laying;
- floor installation;
- minor apartment or house renovations;
- renovation of bathrooms, kitchens, or other premises.
If you send photos or briefly describe the situation, we can advise you on where to start and what mistakes to avoid.
Material selection and quantity calculation
One of the most common problems during renovation is buying too much, too little, or the wrong materials.
We can help you with a preliminary calculation of:
- how much paint might be needed;
- how much plaster or primer to buy;
- how many tiles, adhesive, or grout will be needed;
- how much flooring should be ordered;
- what additional small items not to forget;
- which tool to choose for a specific job.
This is not an official construction expertise, but rather practical advice from someone who has been working with renovations and materials for many years.
We can help create a preliminary estimate
If you are planning a renovation, we can help you get a clearer picture of:
- what materials might be needed;
- how much they might approximately cost;
- where you can save money;
- where it's better not to save;
- what work is worth doing immediately;
- what work can be postponed for later.
A preliminary estimate helps understand if the budget is realistic and avoids situations where a renovation starts with one sum and ends with a completely different one.
Assistance in choosing craftsmen and workers
If you need not only products but also people to carry out the work, we can advise you on what to look for when choosing a craftsman or team.
We can help you understand:
- what questions to ask before starting work;
- how to evaluate a price offer;
- when a very cheap price can become an expensive mistake;
- what is worth agreeing upon in advance;
- how to describe the scope of work more clearly;
- how to reduce the risk of misunderstandings.
KamOk's goal is for the client not only to buy products but also to make a smart decision.
Consultation on products for home, garden, and household
At KamOk store, you will find many different products for home, garden, renovation, plumbing, tools, and everyday solutions.
If you are choosing between several products and don't know which one is more suitable, we can help you compare:
- practicality;
- price-quality ratio;
- application in a specific situation;
- whether it's worth choosing a cheaper option;
- when it's better to choose a more reliable solution.
Sometimes the best product is not the most expensive. And sometimes the cheapest choice ends up costing more later.
Consultation on pet products
KamOk also pays a lot of attention to pets. We have experience with dogs, their breeding, care, and training, so we can help you choose products for animals.
We can advise on:
- selection of dog and cat food;
- daily care products;
- beds, bowls, leashes, and accessories;
- products for puppies;
- practical solutions for homes with pets;
- renovation and interior solutions when there are animals in the house.
Important: for health issues, we always recommend consulting a veterinarian. We can help with practical product selection, but we do not replace veterinary consultation.
Why is the consultation free?
Because we want KamOk to be more than just another online store.
We want people to be able to write and get a simple, human answer:
- "What should I choose in my situation?"
- "Do I really need this?"
- "How much should I buy?"
- "Where do I start?"
It is important to us that the client returns not because we convinced them to buy more, but because we helped them make the right choice.
How to get a free consultation?
Write to us and briefly describe your situation.
It's best to specify:
- what you want to do;
- the size of the room or area;
- what products you are considering;
- what your budget is;
- if you have photos;
- whether you will do the work yourself or look for craftsmen.
The more information you provide, the more accurate the answer will be.
Who is this consultation useful for?
This consultation is suitable if you:
- are planning a renovation;
- don't know what materials to choose;
- want to calculate a preliminary estimate;
- are looking for a practical solution for your home;
- are choosing tools;
- are tidying up your garden or surroundings;
- have a pet and want to choose the right products;
- want to consult before buying.
KamOk — products and practical experience in one place
At KamOk store, you can find products for home, renovation, garden, household, and pets. However, our strength is not just the quantity of products.
Our strength is practical experience.
Over 23 years of experience in renovation and finishing work allows us to better understand what people truly need. And many years of experience with dogs and pets help us see homes more broadly — as a place where it should be comfortable not only for people but also for their animals.
If in doubt — write to us. We will help you choose wisely.
Frequently asked questions
Is KamOk consultation really free?
Yes, the initial consultation is free. You can write to us about renovation, materials, choosing products for home, garden, or pets.
Can you calculate a renovation estimate?
We can help create a preliminary estimate based on the provided information, area, photos, and planned work. This helps in better understanding the potential budget.
Do you help choose renovation materials?
Yes, we can advise on the selection of paints, primers, fillers, tiles, flooring, tools, and other renovation products.
Can you advise on pet products?
Yes, we can help with choosing food, care products, beds, bowls, accessories, and other practical solutions for pets.
Can you help choose craftsmen?
We can advise on what to look for when choosing craftsmen, how to evaluate a price offer, and what questions to ask before starting work.