Installments

Eemeli offers the Liisi Hire Purchase payment option for all products purchased from the Eemeli online store in cooperation with HOLM BANK AS (www.holmbank.ee). Liisi Hire Purchase helps you purchase the goods you need while allowing you to choose a suitable down payment and contract period. After the agreement has been signed, the goods will be delivered in accordance with the sales and delivery terms of the Eemeli online store.

Benefits of Liisi Hire Purchase:

• Customers of all banks can apply for Liisi Hire Purchase.
• You can finance an individual product or a larger shopping cart.
• The agreement is concluded using a payment link.
• You can choose a suitable repayment period.
• Later changes to the repayment schedule are free of charge.

Liisi Hire Purchase terms:

• Liisi Hire Purchase can be applied for by Estonian citizens aged 18 or over and by people with a permanent residence permit in Estonia.
• Contract period: 2 to 49 months.
• Annual price increase from 12%.
• Contract fee: EUR 5 for VIP customers and EUR 10 for regular customers, divided equally between the instalments.
• The agreement can be signed digitally with an ID card.

How to apply for Liisi Hire Purchase?

The application and agreement are completed during checkout in the online store. Add the desired product to the shopping cart and choose Liisi Hire Purchase as the payment method. If the application is approved, the credit agreement will be prepared automatically. You can choose a suitable contract period and payment date. The agreement is then signed digitally with an ID card. After signing, the store will dispatch the product in accordance with its sales and delivery terms. Feel free to apply for Liisi Hire Purchase. We will always try to find the most suitable solution for you.

Attention! This is a financial service. Ask about the service terms by calling our customer service at 56 641 505 or by emailing epood@eemeli.ee. Consult a specialist if necessary. Every loan is a financial obligation. Consider your decision carefully, read the credit agreement terms and consult a specialist if necessary.

The service provider is Holm Bank AS.

ESTO – buy now, pay later! ESTO Pay Later gives you an additional 30 days to pay for your purchase. Receive the goods or service immediately and pay within the following 30 days without any additional cost.

• Receive the goods immediately.
• Pay conveniently within 30 days.
• No interest or additional fees.
• ESTO will remind you when the payment date is approaching.

ESTO Pay Later is provided by ESTO AS.

Using this payment method is a financial decision involving risks and obligations. Please consider carefully whether you need to use a credit product. The annual percentage rate of charge for ESTO Pay Later is 0% under the following sample conditions: annual interest rate 0% and no fees.

ESTO 3 – split the cost of your shopping cart into three equal payments without additional fees!

Use ESTO 3 to pay for products or services and divide the value of your shopping cart into three equal payments without paying any additional fees. Add the products to the shopping cart, confirm the order, choose ESTO 3 as the payment method and sign digitally using Smart-ID, Mobile-ID or an ID card.

• If the full shopping-cart value is paid on time within three months, no additional fees will be added.
• The monthly payment is calculated by dividing the shopping-cart value into three equal parts.
• ESTO 3 can be applied for by Estonian citizens aged 18 to 70.

ESTO 3 terms

ESTO 3 is provided by ESTO AS. Using this payment method is a financial decision involving risks and obligations, so please consider carefully whether you need to use a credit product.

Bolt Pay Later

Bolt and ESTO make shopping easy. Choose Bolt Pay Later, confirm the purchase with a few clicks, receive your order immediately and pay within 30 days without additional cost.

• Flexible repayment schedule.
• Receive the order immediately and pay within 30 days.
• 0% interest and EUR 0 additional cost.

Bolt Pay Later is provided and managed by ESTO AS.

What is ESTO? ESTO is a financial-services company founded in 2016. The brand was created in response to the need for a new generation of payment solutions suitable for both consumers and merchants. Today, ESTO offers one of the widest selections of payment solutions in the Baltics and has a network of more than 2,600 partner stores and more than 300,000 customers.

Read the terms at www.esto.ee.

If necessary, contact ESTO AS at info@esto.ee or through the live chat at www.esto.ee.

Hoovi installment plan for businesses

Hoovi installment plan for businesses operates similarly to the installment solutions that have become popular among individual buyers, but it is aimed 100% at businesses. The contract is made directly with the company, and the same company pays the monthly installments, not a board member as an individual. The purchased goods become the property of the company from the moment of purchase and can be recorded on its balance sheet.

• The purchase takes only a few minutes.
• The VAT on the purchased goods can be immediately accounted for as input VAT in the month of purchase.
• Early repayment of the installment is without additional fees.
• Payments start from next month.

Terms:

Amount: 100€ – 20,000€
Period: 3 – 72 months
Interest rate: from 1% per month
Down payment: 0€
Contract fee: 0€

The financial service provider is Hoovi Rental OÜ (Laeva 2A, 10151 Tallinn, www.hoovi.ee).

If necessary, contact Hoovi customer support – support@hoovi.ee, tel 5191 9192.