Instalment options for European citizens


Shop now. Pay later with Klarna.

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.

EU Countries eligible for use of Klarna:

Austria, Denmark, Germany, Netherlands, Finland

Here’s how it works:

Step 1
Add products to your cart and select “Klarna” when you check out

Step 2
Enter a few personal details and you’ll know instantly if you’re approved

Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay

Step 4
You can complete your future Klarna purchases with just one click

Part 2: Payments information


Pay in 14 days

Try your stuff at home and decide which items you want to keep. Make your payment in full 14 days after your purchase is shipped. No
upfront payments, no interest, and no fees.
Alternative version:
Shop now and pay for only what you decide to keep. With this home try-on shopping option, get the items you want now and pay up to 30
days after shipment. No upfront payments and zero interest. Never any interest or fees.

Pay in 3 interest-free instalments
Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments
every 30 days. No credit checks, and no interest or fees.
Alternative version:
Shop today and split purchases into 3 equal interest-free instalments. Zero interest and never any fees. Simply enter your card details and
automatic payments are taken every 30 days.

Financing
Apply for monthly financing during checkout. It’s a user-friendly, application process with an instant decision. If approved, you can manage
your payments and get payment reminders in the Klarna App.

Alternative version:
Conveniently pay for purchases over time with monthly financing. Shop for the items you need, when you need them. User friendly, fast and
an instant decision at checkout. If you’re approved you can manage purchases and set up automatic payments in the Klarna App
(Don’t forget to include the Representative APR based on the Klarna product you offer in accordance with CONC 3.5.7)

Klarna Privacy Policies

All markets except Switzerland:

In order to offer you Klarna’s payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna’s own privacy notice.

Switzerland only:

Billpay’s/Klarna’s payment options: In order to be able to offer you Klarna’s payment options and to assess whether you qualify for their payment options and to tailor the payment options for you, we might in the checkout pass your personal data in the form of contact and order details to Klarna and Billpay. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s [de, fr, it or en versions] and Billpay’s [de, fr, it or en versions] privacy notices.

About Klarna

Pay online or in the app
Review your latest purchases and make payments in the Klarna
app or online.
● Download the Klarna app: https://www.klarna.com/app
● Log in online: https://app.klarna.com/login.
● Chat with customer service:
https://www.klarna.com/uk/customer-service/

Safe and secure
With Klarna, you are always covered through Klarna’s Buyer
Protection policy. Modern safeguards protect your information to
prevent unauthorized purchases.

Frequently asked questions
Visit our FAQ (https://www.klarna.com/uk/customer-service/)
page to find out more about using Klarna.

About Klarna
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than
just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you
love.
● 90 million shoppers are using Klarna.
● 200,000 retailers are working with us worldwide.
● We’ve been powering online checkouts for 15 years.

Instalment options for Estonian citizens


LHV instalments

You can pay for the goods/services in installments. Fill out an application when making a purchase in our e-shop, and our partner will make you an offer right away.

• Reply to the request within minutes
• Deposits from 0 EUROS
• The interest is 11.9% and is calculated on the loan amount
• Free early repayment

Terms and conditions of payment in installments

• The decision to grant payment in installments is valid for 90 days. During this period, you will be able to make purchases with payment in installments within the limit offered.
• The applicant’s minimum income is EUR 250 per month.
• Contract fee starting from EURO 9.90.
• The duration of the contract can be from 3 to 48 months.

The service is provided by AS LHV Finance, address: Tartu mnt 2 Tallinn Harju County 10145. Additional information at LHV.ee/jarelmaks. tel 6802 700 daily 9 am-9 pm.

The monthly payment in case of payment in installments is EUR 37.91, and the annual percentage rate of charge is 25.59% for the following sample terms: cost of goods/services EURO 700, down payment 0%, credit EURO 700, interest 19.9% on the balance per annum (fixed) , contract fee EURO 19.9, period of payment in installments 23 months, monthly annuity payment, total payments EURO 871.93 and repayments EURO 871.93.

A company that has been in business for at least one year can buy with LHV payment in installments. To do this, submit your application, the company’s latest annual report, balance sheet, and income statement as of the last month. Send the documents to finance@lhv.ee, and the offer will be sent to you within three days at the latest. If necessary, LHV Finance may also request a surety from the owner of the business, a member of the management board, or another company.

NB! Each installment is a financial liability. Before entering into a contract, read the terms of service and consult an expert if necessary.

Voltride installments – do not wish to pay for the whole amount at once? Pay by installments!

Purchase your product and pay over time with Voltride installments – the most low-cost and user-friendly installment loan for purchasing Voltride products! Voltride instalments offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

Using Voltride installments at checkout is extremely simple, convenient and fast. Just select suitable period and insert your contact details for a real-time decision – complete your purchase within 60 seconds!

Add products to cart and for payment method select Voltride  installments in check out. Pick a loan period that fits your budget and complete the purchase with digital signing (Mobile-ID or ID-card signature). Simple as that!

When making a purchase using Voltride installments you receive the product right away (store ships your order immediately). Voltride installments can be used for making larger purchases as well as smaller ones.

People, who qualify for Voltride installments, must remain in the age range of 18-70 years and have an Estonian citizenship.

Voltride installments conditions:

  • Interest rate from 0%
  • Contract fee from 0 EUR
  • Period up to 4 years

Installment loan is provided by ESTO AS. Review the terms and conditions at www.esto.ee and consult with our Voltride. The installment loan is a financial obligation. Please assess your financial position and think about whether you really need the loan before you submit the application, so you can be sure that you are able to repay the loan in a timely manner. The monthly payment is 197.14€ and annual rate of charge is 31.12% on the following sample terms and conditions: loan amount 2049€, annual interest rate of 14% on the outstanding balance (fixed), contract fee 14.90€ and repayment period of 12 months.

Liisi hire-purchase