Receive your jewellery now and pay later: in instalments or in 30 days. Complete the application in a couple of minutes at checkout and get an instant decision.
Three ways to pay later
3 payments (ESTO 3)
Your purchase total is split into three equal payments. No interest, extra charges or down payment.
- Your first payment is due by the 15th of the following month, with the remaining payments due monthly.
- You pay exactly the price of the jewellery.
Pay in 30 days
Pay the full amount in a single payment within 30 days, with no interest.
- You pay €0 today.
- If you do not pay for your purchase within 30 days, the amount will automatically be split into three ESTO 3 payments.
Credit over 3–60 months
Pay for your purchase in monthly instalments. Choose your repayment term at checkout.
- You will see the monthly payment and total cost of credit before signing the agreement.
- You can repay the credit early at any time.
Terms
* A 10% down payment is required for purchases on credit over €1,400.
For example, jewellery costing €900
How to apply
- 1BasketAdd your jewellery to the basket and proceed to checkout.
- 2PaymentSelect ESTO from the payment methods and choose the option that suits you.
- 3ApplicationComplete the short application on the ESTO page and sign the agreement using Smart-ID, Mobile-ID, an ID card or eParaksts or an ID card or an ID card.
- 4DoneYou will receive an instant decision. Once approved, we will prepare and dispatch your order.
The agreement will be sent to your email address and will also be available in your ESTO account.
Important information
Buying on credit is a financial commitment. Before applying, consider whether you can make the payments on time. If you miss a payment, ESTO may apply additional charges under the terms of the agreement. Read the agreement carefully before signing.
Credit calculation example
Example of ESTO LV AS instalment terms: credit amount €427, term 12 months, interest rate 19.9%, monthly payment €43.36, arrangement fee €0, monthly administration fee €2.9, annual percentage rate (APR) 39.17%, total amount repayable €520.23.
Example of ESTO standard credit terms: credit amount €410, agreement term 48 months, annual interest rate 14.9%, monthly administration fee €2.90, monthly payment €16.53, annual percentage rate (APR; BVKKMN) 44.26%, total amount repayable €793.44.
Example of ESTO AS instalment terms: credit amount €1,490, product price €1,490, down payment 0%, fixed interest rate 11.90%, agreement fee €0, annual percentage rate (APR) 23.63%, total amount repayable €1,844.64 over 24 months in equal monthly payments of €76.86.
Terms may vary depending on the amount, repayment term and creditworthiness assessment. ESTO makes the decision.
Have any questions?
Your order
Message us on WhatsApp or email info@diamondsky.ee.
Credit is provided by ESTO LV AS. 18+. Borrow responsibly and assess your ability to repay.Credit is provided by ESTO, UAB (company code 305219905). 18+. Borrow responsibly.Credit is provided by ESTO AS. 18+. Borrow responsibly.
