Neli Elu Ltd

Registration number 11362060.
Tehnika street 20, Kuressaare 93815.
Phone +372 45 38459.

Bank Account: IBAN: EE217700771001587288 - LHV Bank

At online store, you can pay for your purchases through major banks, credit cards, invoice, ESTO, and in 3 installments with ESTO Slice.

Don't want to pay the full amount at once? Pay in installments!

With ESTO installment payments, you can create a payment schedule based on your chosen period. The payment solution makes decisions in real-time and helps complete the purchase in less than 60 seconds.

Add suitable products to your shopping cart, confirm your order, and choose ESTO installment payment from the payment methods. When confirming your purchase, select the suitable period, monthly installment amount, and conveniently e-sign with your ID card, Smart-ID, or Mobile-ID.

● ESTO installment payments are available for all Estonian citizens aged 18-70.

● ESTO installment payments can also be arranged quickly and conveniently for legal entities.

● ESTO installment payments are provided and managed by ESTO AS.

ATTENTION! Every installment is a financial commitment. Before entering into an installment agreement, familiarize yourself with the terms of the respective service, and consult an expert if necessary. Every financial decision involves risks and obligations, so please carefully consider the need for loan products. For example, for a loan amount of 1290 euros for 24 months with a fixed interest rate of 14.90% per annum and zero contract fee, the annual percentage rate of charge is 31.62%, the monthly installment is 70.67 euros, and the total amount repayable by the consumer is 1696.08 euros. An installment is a financial commitment, and before making a decision, thoroughly review the terms of the contract and consult with an employee of ESTO AS or another expert if necessary. Installment payment is provided and managed by ESTO AS.


ESTO 3 Payment Method is an innovative solution that allows you to confirm and pay for your purchase conveniently and quickly - in three equal parts, with no additional fees!

Choose the highly popular ESTO 3-part payment method for paying for your purchases at the online store checkout!

ESTO 3 helps divide the purchase amount into up to three equal parts.

● No additional fees are added.

● Simply three payments in equal parts over three months.

● The first payment is on the 15th day of the next month.

ESTO 3 payment method is provided and managed by ESTO AS.

Bolt Pay Later!

ESTO makes shopping easy!

Choose the newest and most innovative payment method on the market for paying for your purchases - Pay Later!

Confirm your purchase with just a few clicks, receive your order, and pay back within 30 days at no extra cost!

Be smart and choose Pay Later for paying for your purchases!

This new and innovative payment solution allows you to conveniently pay for your purchases within 30 days.

Pay Later is the payment method for smart people - get your goods immediately and pay back based on a flexible repayment schedule.

Get what you need in just a few clicks - no interest, additional fees, or down payment!

● Flexible repayment schedule.

● Receive your order immediately and pay comfortably within 30 days.

● 0% interest and €0 additional cost.

Pay Later payment method is provided and managed by ESTO AS.


ESTO is a financial services company, whose origins date back to 2016. The brand began

out of a need for next-generation payment solutions suitable for both end consumers and

sellers. Today, ESTO offers the widest range of different payment solutions in the Baltic countries, and ESTO's

partner network includes over 2600 cooperation partners and stores, as well as over 300,000 customers.

Learn more about the terms here:

If necessary, contact an employee of ESTO AS - or in the LIVE chat window.