Leasing



  • Don't want to pay right away ? Do you want to pay over a longer period, in 3 equal installments or maybe better to pay next month?

    You can choose the most suitable payment solution in Valge Klaar e-shop and all point of sale. By choosing Valge Klaar payment solution, you can get your desired Apple products with the best payment terms later.

    Applying for Valge Klaar payment methods is as easy and fast as card payment. Once you've selected your new Apple device, choose your favorite payment solution at checkout and you can get a decision done in a minute and get your order immediately.

    The provider of financial services is Inbank Finance AS.

    Valge Klaar installment:

    • Contract fee 0 €
    • Interest from 9.9%
    • Management fee 0.9 € / month
    • For purchases from 100-10 000 €
    • Contract period from 3-48 months

    Valge Klaar Slice 3

    • Pay 3 in equal parts
    • 0 € surcharges
    • First payment in a month
    • For purchases from 75-1500 €

    Valge Klaar GO - Pay next month

    • Pay on the 15th of the following month
    • 0 € surcharges
    • Return the products before the payment date and only pay for the products you get.
    • For purchases from 75-800 €


    Attention, this is a financial service! The Inbank installment credit cost rate is 27.07% per annum under the following model conditions: price of the contract object immediately payable (net price) 1000 EUR, credit amount 1000 EUR, down payment 0 EUR, contract period 12 months, fixed interest rate 9.9% per annum based on purchase amount, contract fee 0 EUR, monthly management fee 2.9 EUR. The monthly installment is 94.17 EUR, the total amount of credit and the amount of repayments is 1130.02 EUR. The creditor is AS Inbank Finance (location Niine 11, Tallinn, tel. 640 8080). Before concluding the agreement, carefully read the terms and conditions of the desired agreement and, if necessary, consult an employee of AS Inbank Finance or another expert.

  • Telia järelmaksuga saad osta kaupu Valge Klaari e-poest ja kauplustest alljärgnevatel järelmaksu tingimustel:

    • Võimalik sõlmida järelmaksulepinguid summas kokku kuni 3200 €
    • Järelmaksu perioodi valid ise (12 kuud kuni 48 kuud).
    • Intressimäär on kuni 21,9% ja lepingutasu alates 9,90€ (alates summast 150 € on lepingutasu 15,90 € ning alates summast 200€ on lepingutasu 19,90€).
    • Lepingu sõlmimiseks pead olema 18-75 aastat vana.
    • Sul on püsiv neto sissetulek (minimaalselt 300 € kuus)
    • Välismaalased peavad omama pikaajalist/alalist elamisluba.

    Miks eelistada Telia järelmaksu?

    Krediidilimiit

    Sul on võimalik iseteeninduses eelnevalt tutvuda personaalselt sulle pakutavate tingimustega nagu intressimäär, lepingutasu ja vaba krediidilimiit. Taotlusele anname vastuse koheselt (lähtume sinu krediidivõimelisuse hindamisel vastutustundliku laenamise nõuetest). Sa ei pea olema eelnevalt Telia klient.

    Arveldamine

    Lepingutasu ja järelmaksu maksete tasumiseks esitab arve Telia Eesti AS. Mugavaks arveldamiseks soovitame sõlmida otsekorralduslepingu sulle sobivas pangas. Järelmaksu tasumine toimub annuiteetgraafiku alusel, st kogu perioodi jooksul on üks fikseeritud kuumakse.

    Ennetähtaegne lõpetamine

    Soovi korral saad järelmaksu maksta tagasi ennetähtaegselt ilma täiendavate kulude ja tulevaste intressideta. Piisab kui esitad kirjaliku avalduse Telia lepingu lõpetamiseks. Ennetähtaegsel lõpetamisel lisatakse järelmaksu osamaksete jääk järgmisele Telia kuuarvele.

    Kaubaga seotud küsimuste korral (garantiijuhtumid, puudusega kaup, jne) pöördu kauba müüja Valge Klaar poole. Järelmaksuga seotud küsimuste korral pöördu Telia klienditeeninduse poole tel nr 123.

    Krediidi kulukuse määr on 26,2% aastas järgmistel näidistingimustel: kauba hind kohe tasudes 500 €; lepingutasu 19,90 €; tarbijakrediidilepingu kestus 48 kuud; fikseeritud intress arvutatuna igakuiselt laenu jäägilt 21,9%. Tarbija poolt makstav tagasimaksete summa on 785,22 €, mis sisaldab: kauba makseid 500 €; intressikulu 265,32 € ja lepingutasu 19,90 €. Tegemist on finantsteenuse reklaamiga. Finantseerimisteenuse pakkujaks on Telia Eesti AS (tegevusloa number 4.1-1/17, aadress Mustamäe tee 3, 15033, Tallinn). Enne tehingu sõlmimist tutvu täpsemate järelmaksu tingimustega ning vajaduse korral konsulteeri asjatundjaga.

  • LHV hire-purchase is
    affordable

    With LHV hire-purchase you can pay for goods in instalments, in an e-shop and/or a regular shop.

    • We will respond to your application within a few minutes.
    • Deposit starting from EUR 0.
    • Free early repayment.
    • No monthly administrative fees.
    Add the desired product to the shopping basket and select LHV hire-purchase as the method of payment.
    If you have not submitted a hire-purchase limit application, you can do so after selecting the form of payment.
    If you have already been assigned a limit, you can immediately choose the duration and payment date for the hire-purchase agreement.
    Then sign the agreement using your Mobile-ID, ID card or Smart-ID, and the purchase is completed.

    Terms and Conditions

    • The decision granting hire-purchase is valid for 90 days.
    • Interest rate 14.9% per annum calculated on the purchase price
    • Contract fee starting from EUR 9.90.
    • Length of the agreement 3-48 months.

    Additional information lhv.ee/en/hire-purchase or 6 802 700

    Calculate the monthly instalment

    The hire-purchase service is offered by AS LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/en/hire-purchase and consult our expert.

    The monthly hire-purchase payment is 40,24 € and the annual percentage rate of charge is 33,99 % on the following sample terms and conditions: cost of the product/service 700 €, down-payment 0%, credit amount 700 €, interest rate 14.9% per annum calculated on the purchase price, contract fee 19,9 €, hire-purchase period of 23 months, with monthly annuity payments, in the total sum of 925,41 € and the total sum of monthly payments being 925,41 €.

  • Installment terms:

    • Interest from 0%
    • Period 3-60 months
    • Deposit 0%
    • The cost of the installment purchase is € 100 - € 7,500

    Requirements for the customer:

    • Customer age 18 - 75 years.
    • Permanent official income for a personal current account, ie salary or pension.
    • No payment remarks.
    • Identity document (valid ID card, ER pass).
    • Permanent residence in the Republic of Estonia.

    To pay in installments when signing a sales contract:

    • Please contact the service provider for an installment purchase.
    • In order to apply for an installment purchase it is necessary to present an identity document (ID card, residence permit card or passport of the Republic of Estonia) in addition to the application.
    • The decision to application is immediately available, after which you can sign the contract.
    • The contract fee is added to the purchase amount.
    • Contributions will be paid to TF BANK AB (PUBL.) EESTI FILIAAL on an invoice basis.

    Attention, it is a financial service. Installment payment is offered by TF BANK AB (PUBL.) EESTI FILIAAL. Check out the conditions at the point of sale or ask our expert for advice. The monthly installment of the installment is 52.85€ and the annual percentage rate of charge is 26.77% for the following sample conditions: 1000 € for goods / service, 0% for in-payment, 12% for the initial amount, contract fee 19 €, monthly account management fee 0,99 € payment period 24 months, payment of monthly annuity payments, payments 1268.40 € and repayment amount 1268.40 €

  • The ESTO 3 payment option – split the payment for your shopping cart into three equal instalments!

    Use the quick and convenient ESTO 3 payment option to pay for goods or services – split the payment for your shopping cart into three equal instalments!

    Add products to your shopping cart, confirm your order, select the ESTO 3 payment option and conveniently add your digital signature with your ID-card, a Mobile-ID or a Smart-ID.

    • When you pay for your shopping cart in full and on time in three months, including the agreement fee, your hire-purchase agreement shall be considered successfully completed and fully paid up.
    • Your monthly payment is calculated by dividing the total sum of your shopping cart into three equal parts, plus the agreement fee.
    • The minimum sum for a shopping cart when using the ESTO 3 payment option is 60 euros.
    • The ESTO 3 payment option can be applied for by all Estonian citizens aged 18-70.

    ESTO 3 payment conditions

    The ESTO 3 service is offered by ESTO AS. Using the ESTO 3 is a financial decision that involves risks and obligations; therefore, we recommend you thoroughly consider the need for using credit services before doing so. Should you fail to pay the instalments according to the ESTO 3 payment schedule, your ESTO 3 agreement will be terminated and your debt to ESTO AS shall be considered as used credit according to the ESTO overdraft agreement, and additional fees shall be added according to the overdraft agreement.

    For example, for a credit sum of 200 euros over 3 months with 0% fixed annual interest and an agreement fee of 16.39 euros, the percentage rate of the charge shall be 60.92%, the monthly payment shall be 72.13 euros and the total sum payable by the consumer shall be 216.39 euros.

    The ESTO 3 service is offered by ESTO AS.
    E-mail: info@esto.ee
    Phone: (+372) 622 52 52

  • Not able to afford to pay the whole amount? Pay in instalments!

    Use ESTO hire purchase to pay for products or services – the most affordable, convenient and fastest hire purchase in Estonia!

    Add products to the shopping cart, confirm your order and select ESTO hire purchase as the method of payment. Upon paying, select the suitable period, the monthly instalment amount and sign the agreement conveniently with an ID card or Mobile ID.

    ESTO hire purchase is an extremely fast and convenient payment solution, which helps to prepare you a payment schedule on the basis of the period of your choosing. The payment solution makes a decision in real time and helps you make purchases in less than 60 seconds.

    ESTO hire purchase is provided by ESTO AS (registry code 14180709).

    Hire purchase terms and conditions:

    • Interest from 0-14.9% (interest depends on the purchase amount)
    • Contract fee from €0
    • Period of up to four years.

    ESTO hire purchase is available to all citizens of the Republic of Estonia aged 18-70. The hire purchase can also be formalised quickly and conveniently for legal persons..


    PLEASE NOTE: each hire purchase is financial obligation. Before entering into a hire purchase contract, review the terms and conditions of the respective service and consult a professional where necessary. For instance, in the case of a loan of 2,049 euros for 12 years with a fixed interest of 14% per annum and a contract fee of 14.90 euros, the annual percentage rate on instalments is 31.12%, the monthly repayment is 197.14 euros and the total amount paid by the consumer is 2,365.68 euros.