ESTO provides a buy-now-pay-later payment solution that allows consumers to make purchases at partner retailers across the Baltics, offering flexible repayment options such as 30 days without interest or installment plans up to 60 months. This service addresses the need for accessible financing, enabling customers to manage their cash flow while shopping.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers in the Baltics often lack flexible payment options when shopping online or in-store, limiting their purchasing power and ability to manage their finances effectively. Traditional financing methods can be cumbersome and inaccessible, especially for smaller purchases.
Solution
ESTO provides a suite of buy-now-pay-later (BNPL) solutions that enable consumers to make purchases and pay over time. Customers can choose from options such as paying within 30 days without any additional fees, splitting payments into three equal installments, or opting for longer installment plans up to 60 months. ESTO's platform integrates with partner retailers, offering a seamless financing experience at the point of sale. By providing accessible and flexible payment options, ESTO empowers customers to make purchases that fit their budget and financial needs.
Target Audience
ESTO primarily targets consumers in the Baltics who are looking for flexible and accessible payment options when shopping at partner retailers.
Features
- Buy-now-pay-later options at partner retailers across the Baltics
- Payment options include: pay in 30 days, pay in 3 installments, or pay in installments up to 60 months
- Credit line option that allows users to transfer funds to their bank account
- Consumer loans with fixed repayment schedules
- Digital application process for consumers
- Online account management for tracking purchases and payments