Think big, be more
Built for life
We create innovation that’s simple on the surface, smart underneath, and built for something big — your life.
700 000 +
Customers served
€700M +
GMV
6000 +
Partner shops
80 +
Employees
5 offices
Across 4 countries
Thinking big since 2017
What makes us ESTO
Since launching in 2017 in Estonia, ESTO expanded to Latvia in 2020 and Lithuania in 2021.
Today partnering with over 6000 merchants and serving nearly a million users, our mission is to simplify financial decisions by eliminating complexity, embracing transparency, and focusing on people-first solutions.
We are driven by a commitment to innovation, making financial processes effortless and empowering customers to take control of their financial futures.
Why nearly 1 million people use ESTO
Bigger buys, smaller payments
Credit Line
Withdraw and pay back anytime
Consumer Loans
Money for bigger things
Buy Now, Pay Later
Buy from thousands of stores
ESTO Deals
Exclusive discounts and coupons
Income Insurance
Protect your income in case of sickness
Credit Line
Withdraw and pay back anytime
Consumer Loans
Money for bigger things
Buy Now, Pay Later
Buy from thousands of stores
ESTO Deals
Exclusive discounts and coupons
Income Insurance
Protect your income in case of sickness
