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: 20–73 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 €.


Svea Finance hire purchase

Svea finance hire purchase is a simple and convenient solution for bigger or unexpected purchases. To use Svea hire purchase follow these simple steps:
  1. Select goods or services you need
    You can apply for hire purchase when the total amount of goods or services is between 100 to 8000 €. Installment period can be between 3 to 48 months.
  2. Fill in the application
    You can submit the application through our webshop or at our store. Applications will usually be processed within minutes between 9:00 to 19:00 (monday to friday), 10:00 to 17:00 (saturday) and 10:00 to 15:00 (sunday).
  3. Sign the agreement
    If your application is accepted, you have to present your ID and sign the agreement. The agreement can also be signed digitally.

Conditions of Photopoint hire purchase

  • Amount: 100 to 8000 €
  • Period: 3 to 48 months
  • Interest rate: 15.9% on the principal amount
  • Agreement fee: 24.99 EUR. This does not have to be paid at once. It can be distributed evenly between hire purchase payments.


Conditions for private persons

  • Estonian citizen 18 to 75 years old or a person living in Estonia with a valid residence permit
  • At least 250 € net income for last 6 months which can be identified using a bank statement
  • No open payment defaults
  • Must submit a bank statement for last 6 months if required


Svea Finance hire purchase applications can be submitted in our web shopt or at Photopoint stores. Agreement can be signed at Photopoint store if application is accepted. Agreement can also be signed digitally if needed.

Factor is Svea Finance 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 35.67% under the following sample conditions: credit amount 550 €, down payment 0%, interest 15.9% per year, agreement fee 19.99 euros, repayment period 30 months. The total amount of installments is 796.50 €.


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 20 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.


LHV hire-purchase for private persons

You can apply for LHV hire purchase at our web shop.

  • Minimal purchase amount 50 €
  • Interest rate is 15.9%
  • Term of contract 3 to 48 months
  • Down payment starting from 0 euros
  • Contract fee starting from € 9.90
  • Applicant must be at least 18 years of age, Estonian citizen or foreign citizen with a valid residence permit
  • Minimum applicant income € 250 per month
  • Järelmaksu finantseerijaks on LHV Finance AS


LHV hire-purchase for companies
LHV hire-purchase may also be used by a company that has been operating for at least one year. To do so, file an application, the annual report of the company for the past year, and the balance sheet and profit report as at the last month. If necessary, we will request a surety from the owner of the company, from a member of the board, or from another company.

The hire-purchase service is offered by AS LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/en/hire-purchase and consult our expert. The monthly hire-purchase payment is 31.30 € and the annual percentage rate of charge is 37.08% on the following sample terms and conditions: cost of the product/service 550 €, down-payment 0%, credit amount 550 €, annual interest rate of 15.90% from the amount of credit (fixed), contract fee 19.90 €, hire-purchase period of 24 months, with monthly annuity payments, in the total sum of 751.10 € and the total sum of monthly payments being 751.10 €.


Photopoint credit card

Photopoint credit card is targeted for companies which frequently order photos or buy consumables. You can send application on behalf of your company to info@photopoint.ee. If your application is approved, a credit agreement* will be signed. After that you can use your new credit card to finance your purchases up to agreed credit limit. Every purchase will be registered in our system and you get only one invoice monthly - no messing with individual invoices. Due date is 10th of next month.

* Photopoint reserves the right to refuse to sign the credit agreement with anyone for any reason at any time.


TF Bank hire purchase

You can apply for TF Bank hire purchase at our web shop and retail stores.

Conditions of TF Bank hire purchase

  • Amount: 100 to 10,000 €
  • Period: 3 to 60 months
  • Interest rate: 15.9%
  • Down payment is not obligatory – own financing starting from 0%.
  • Agreement fee: 19.99 €.
  • Agreement fee does not have to be paid at once. It can be distributed evenly between hire purchase payments.
  • Applicant must be of 18 to 75 years of age, Estonian citizen or foreign citizen with a valid residence permit
  • Applicant must present ID when applying (passport, ID card, drivers license)
  • Factor is TF Bank AS


The hire-purchase service is offered by TF BANK AB (PUBL.) EESTI FILIAAL . Review the terms and conditions at the vendor and consult our expert. The monthly hire-purchase payment is 45.2 € and the annual percentage rate of charge is 32.5% on the following sample terms and conditions: cost of the product/service 800 €, down-payment 0%, credit amount 819,9 €, annual interest rate of 15.9% on the loan amount balance (fixed), contract fee 19.9 €, hire-purchase period of 24 months, with monthly annuity payments, in the total sum of 1084.84€ and the total sum of monthly payments being 1084.84 €.


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.