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Installment Payment at Luutar Online Store


Flexible Installment Options at Luutar – Buy Now, Pay Later

At Luutar’s online store, you can make purchases comfortably even if you’re unable to pay the full amount right away. Through our trusted partners (Liisi, ESTO, and Modena), we offer reliable and flexible installment solutions tailored to various needs.

You have two options:

  • 3-month interest-free installment: 0% interest, 0€ contract fee, no extra charges.
  • 6–48 month installment plan: A longer payment term with personalized conditions (interest, fees) calculated just for you.

Submit your installment application during checkout and get an instant response. Conditions depend on the purchase amount and the offer provided by the partner – choose the one that suits you best.

Installment payment can be a smart choice for unexpected expenses or when you want to acquire a valuable item without making a large one-time payment.

Liisi Installment – Flexible Payment Solutions

Liisi Classic Installment Classic Liisi Installment

  • Quick response to your application
  • Down payment starting from 0€
  • Interest rate 13.9%
  • Monthly payment from 7€
  • Flexible solutions and personal support in case of financial difficulties

To process your application, Holm Bank AS must be authorized to request the following data from the Estonian Tax and Customs Board for the past 12 months: declared income, disability and pension payments, employer records, dividends, and tax debt – this helps speed up the application process.

Read the general terms of the Liisi contract here: https://www.holmbank.ee/et/eraklient/jarelmaks/liisi-jarelmaks

NOTE: The financial service provider is Holm Bank AS. Read the contract terms and consult a specialist if needed. Annual Percentage Rate (APR) is 33.11% under the following conditions: loan amount 420€, contract fee 10€, period 12 months, fixed annual interest rate 13.90%, total amount payable 488.06€, number of payments: 12.

Liisi3 logo Liisi3 – Pay in 3 Parts, No Extra Fees

Liisi3 allows you to divide your purchase into three equal payments without interest or contract fees.

Choose Liisi3 as the payment method at checkout – we’ll split the amount into three equal parts. You can make the first payment immediately or in the following month – it’s up to you.

ESTO Installment – Fast and Convenient

ESTO Installment

Don’t want to pay the full amount at once? With ESTO installment, you can pay in parts – the application and decision take less than 60 seconds in real time.

  • Available to Estonian citizens aged 18–70
  • Also suitable for legal entities
  • Provided and managed by ESTO AS

Confirm your order, select Luutar installment via ESTO, choose your term, and sign digitally with ID-card, Smart-ID, or Mobile-ID.

APR for ESTO AS is 23.47% under the following example: credit amount 290€, interest rate 11.90%, 12-month term, monthly payment 27.04€.

ESTO-3 – Pay in Three, No Extra Costs

ESTO 3 splits your purchase into three equal payments. The first payment is only due the following month – interest-free and commission-free.

  • 0€ interest and 0€ contract fee
  • Three equal payments over three months
  • First payment next month

ESTO was established in 2016 and is now one of the largest payment solution providers in the Baltics, with over 2000 partners.

Terms available here: esto.eu/ee
For questions, contact ESTO AS at info@esto.ee or use the LIVE chat on www.esto.ee

Modena Installment and Payment Solutions

Modena Installment

1. Modena "Pay in 3 Parts"

Pay for your purchase in three parts – 0% interest, 0€ fees. The seller covers the service cost. The first payment is due in 30 days.

  • Split the total amount into three equal monthly payments
  • 0% interest, 0€ service fee
  • First payment after 30 days

Select “Pay in 3 Parts, No Extra Fees” as the payment method at checkout.

More info and FAQs available on Modena’s website

2. Modena Installment up to 48 Months

Extend your payment term to 6–48 months for purchases from 100€ to 4000€. The application process is paperless and secure.

  • Convenient and flexible monthly payments
  • Available to Estonian citizens aged 18–70
  • Digital ID verification via ID-card, Smart-ID, or Mobile-ID
NOTE: All installment plans are financial commitments. Review the terms and consult a financial advisor if necessary. The APR from Modena Estonia OÜ is 17.84% under the following example: limit 1000€, fixed rate 10%, 0€ contract and admin fees, total payable 1100€, to be repaid in 12 equal monthly installments.
Installment services are available to Estonian citizens aged 18–70. Digital ID verification is required via ID-card, Smart-ID, or Mobile-ID.
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