Hire purchase


Photopoint offers hire purchase as payment for your desired products. It's affordable, simple and convenient for times when you're short on funds.

Applying for hire purchase is quite simple – choose "Hire purchase" as way of payment in the shopping cart and fill up all the necessary fields.
When you're at our physical stores, let the salesperson know you want to pay with hire purchase and they will quickly form a contract.

Below is a list of our partners, from whom we will automatically find you the best hire purchase offer.


Inbank hire purchase

Conditions for a private person:

  • Age: 19–85 years (included).
  • Regular provable monthly income at least 240 €. Regular income can be for example work pay, pension, maternal salary.
  • Correct previous payment behavior and no active payment violations.
  • Valid residence and work permit (in the case of a temporary residence permit) until the end of the contractual period. As an identification document an EV passport, EV Foreign Passport and ID-card are accepted.
  • Current account in one of the following banks (for sending an e-invoice): Swedbank, SEB bank, Danske Bank, Nordea bank, Eesti Krediidipank and/or LHV bank.


Financing conditions:

  • Financed amount: 100–10 000 €
  • Contract fee: 19.9 €
  • Term of contract: 4–48 months
  • Down payment from 0%
  • Interest rate: 15.9% from the purchase amount
  • Deadline for paying monthly installments: 12th day of the month
Factor is Inbank AS. Examine the conditions of hire-purchase at the store. Consult an expert if necessary. The annual percentage rate of charge in the case of hire-purchase is 35.69% under the following sample conditions: credit amount 700 €, down payment 0 €, interest 15.9% per year, agreement fee 19.9 euros, repayment period 18 months. The total amount of installments is 892.36 €.


LHV hire purchase


With LHV hire purchase, you can pay for the goods in installments.

  • Response to the request in a few minutes
  • Deposit from 0 €
  • Free early returns
  • You do not need to have an LHV bank account to apply


Hire purchase terms:

  • The interest rate is fixed at 15.9% of the loan amount
  • Contract fee: 19 €
  • Contract length from 3 months
  • Credit amount: 50–15,000 €
  • Age of applicant: 18–75 years
  • Income at least 300 €


Hire purchase is offered by AS LHV Finance. Check the conditions at the store or at lhv.ee/jarelmaks and ask our expert for advice. The amount of the monthly installment of the installment is 49.54 € and the interest rate is 37.32% per year under the following example conditions: cost of goods/services 700 €, down payment 0%, credit amount 700 €, interest 15.90% of the issued credit amount per year (fixed), contract fee 19.90 €, monthly administration fee 0.00 €, installment period 18 months, payment in monthly annuity payments, total payments 891.62 € and repayments 891.62 €.


Bigbank hire purchase

You can apply for Bigbank hire purchase at our stores and in our web shop.

  • Amount: 100 to 10,000 €
  • Interest rate: 15.9%
  • Period: 3 to 60 months
  • Down payment is not obligatory – own financing starting from 0% *interest calculated on the principal value.
  • Agreement fee: 19.99 €. This does not have to be paid at once. It can be distributed evenly between hire purchase payments.
  • Applicant must be of 18 to 73 years of age, Estonian citizen or foreign citizen with a valid residence permit
  • Applicant must present ID when applying (passport, ID card, drivers license)
  • Applications will be processed in minutes
  • Factor is Bigbank AS


Every financial decision involves risks and obligations, for that reason we ask you to carefully consider your need to consume credit products. For example, in case of a credit amount of 600 euros for 24 months with a fixed interest of 14,9% on the initial credit amount and contract fee of 19,99 €, the annual percentage rate of charge is 34,42%, the monthly payment amount 32,45 € and the total amount to be repaid by the consumer 778,81 €.
The service is provided by AS Bigbank – Riia 2, Tartu, activity licence No. 73. Examine the conditions at www.bigbank.ee and consult a specialist, if necessary.

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

Purchase your product and pay over time with ESTO installments – the most user-friendly installment loan for purchasing Photopoint products!

ESTO installments conditions:

  • Financed amount from 36 to 10 000 euros
  • Interest from the purchase amount from 0% to 15.90%
  • Financing periood starts from 3 months is possible to choose up to 48 months
  • Down-payment is is not obligatory!
  • Contract fee is maximum 19.99€ (contract fee does not have to be paid at once, it will be distributed evenly between hire purchase payments)


People, who qualify for ESTO installments, must remain in the age range of 18-70 years and have an Estonian citizenship. ESTO automatic hire-purchase is also available for companies – ask more!

Installment loan is provided by ESTO AS. Review the terms and conditions at www.esto.ee and consult with our expert. 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 26.88 €, the total sum of monthly payments is 1290.24 € and annual rate of charge is 34.11% on the following sample terms and conditions: loan amount 750 €, annual interest rate of 15.9% on the outstanding balance (fixed), contract fee 19.90 € and repayment period of 48 months.