Hire purchase

Photopoint hire purchase is a simple and c onvenient solution for bigger or unexpected purchases. To use Photopoint 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: 14.9% 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 at least 18 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


Photopoint 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 33.5% under the following sample conditions: credit amount 550 €, down payment 0%, interest 14.9% per year, agreement fee 19.99 euros, repayment period 24 months.

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

  • Amount: 100 to 10,000 €
  • Interest rate: 13.9%
  • 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


The annual percentage rate of charge in the case of hire-purchase depends on current conditions. Example: value of goods 499 €, total credit amount 517.50 € (includes agreement fee 24.99 €), repayment period 24 months. The annual percentage rate of charge for this agreement is 26.22%, interest 10.9% per year, installment payment 26.26 € per month (0% down payment). Examine the conditions of hire-purchase at the store. Consult an expert if necessary.



LHV hire-purchase for private persons
You can apply for LHV hire purchase at our web shop.
  • Minimal purchase amount 50 €
  • Intress rate is 15.9% – 29.9% on the balance per annum
  • 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.

Hire-purchase is provided by AS LHV Finance. Review the terms and conditions at the sales point or lhv.ee/jarelmaks and consult our expert. 
The annual percentage rate of hire-purchase is 25.59% per annum on the following example conditions: cost of goods / services €650, down payment 0%, credit amount €650, interest rate 19.9% on the balance per annum (fixed), contract fee €19.90, and the period of payment is 25 months. The sum shall be paid in monthly annuities and the total sum of payments is €819.

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.