MSL Hire Purchase – Don’t Want to Pay the Full Amount Upfront? Pay in Instalments!

Use MSL hire purchase when paying for products or services – it’s the most affordable, convenient, and fastest installment link in Estonia!
Simply add the products to your cart, confirm your order, and choose MSL hire purchase as your payment method. During the payment process, select your preferred period and monthly payment, and conveniently sign the agreement using your ID card, Smart-ID, or Mobile-ID.

MSL hire purchase is a fast and easy payment solution that allows you to create a custom payment schedule based on your chosen period – letting you pay in instalments. The credit decision is made in real-time, and the entire process takes less than 60 seconds.

⚠️ IMPORTANT! Every hire purchase is a financial obligation. Before signing the agreement, please review the terms and conditions carefully and consult a financial expert if necessary.

MSL hire purchase is provided by ESTO AS (reg. no. 14180709).

Key terms of MSL hire purchase:

• Interest from 0% to 14.90%

• Contract fee starting from €0

• Period up to 4 years

MSL hire purchase is available to all Estonian citizens aged 18–70. Businesses can also apply for MSL hire purchase quickly and easily.

Every financial decision carries risks and responsibilities, so please consider your needs carefully before using credit services.
For example, for a loan of €1500 over 12 months at a fixed annual interest rate of 14.90% and a contract fee of €14.90, the annual percentage rate of charge (APR) is 34.74%, the monthly payment is €146.37, and the total amount payable by the consumer is €1756.68. Hire purchase is a financial commitment – please read the terms thoroughly and consult with ESTO AS or a financial advisor before making a decision.