Built for life.
We create innovation that’s simple on the surface, smart underneath, and built for something big — your life.
Simple on the surface.
Smart underneath.
We build innovation that’s made for something big — your life. Credit, instalments, pay-later and income insurance, all in one place.
ESTO Group
in numbers.
Updated Q2 2026 Nearly a million people across Estonia, Latvia and Lithuania count on ESTO to pay their way.
Thinking big since 2017.
Since launching in Estonia in 2017, ESTO expanded to Lithuania in 2020 and Latvia in 2021.
Today we partner with 11 000+ merchants and serve nearly a million customers | on a mission to simplify money by removing complexity, embracing transparency, and putting people first.
We’re driven by innovation that makes finance effortless, empowering people to take control of their financial future.
ESTO launches in Tallinn.
Expansion to Vilnius.
Expansion to Riga.
830 000+ customers · 11 000+ shops.
People-first finance,
built for life.
We eliminate complexity, embrace transparency, and put people first | across Estonia, Latvia and Lithuania.
Why nearly a million people use ESTO.
Consumer loan 
Buy now, pay later 
Credit line 
Consumer loan 
Buy now, pay later 
Peace of mind 
Consumer loan 
Buy now, pay later 
Consumer loan 
Consumer loan 
Consumer loan 
Consumer loan 
Join a team that thinks big.
We move fast, build smart, and back people who care. Your ideas matter, your growth is supported, and your wins get celebrated.
View open roles