Payment by installments

Detailed Terms and Conditions

You can apply for monthly payments for works and projects costing between € 300 and € 25,000:

You qualify for monthly payments if you are an Estonian citizen or legal resident of at least 20 years of age, your monthly net income is at least € 280 and you duly perform your financial obligations. The total amount we can allow you for monthly installments depends on your monthly income and liabilities.

Important information before entering into a contract

Consider carefully whether hire purchase is an appropriate option based on your needs and financial situation:

Payment of monthly installments

After concluding the contract, the claim arising from the contract is transferred to AS Inbank. Inbank will start sending you invoices.

For information on the contract and monthly payments, contact Inbank's customer service:

Find Inbank's customer service info on their website. Your calls and e-mails are answered from Monday to Friday from 9:00 to 17:00.

The deadline for the payment of monthly installments is the 12th of each month. In order to pay monthly installments, Inbank sends an e-invoice to your home bank's Internet bank every month.

If you have not received an e-invoice, fill in an e-invoice order form in your Internet bank. If you wish to make the monthly payments yourself, use Inbank's bank account number and the reference number specified in your contract.

If you have not paid your monthly installment by the due date, we will send you a reminder. Be aware that late payments will incur costs and an interest will be charged. Find the fees related to late payments in your contract and Inbank's price list. If you have difficulties in performing your obligations, please be sure to contact Inbank as soon as possible, because this way we can find a flexible solution and you will be able to avoid additional costs and court actions.

Early repayment of the balance

You can return the balance in full or in part at any time without having to pay interests or other fees. To do this, submit an application to Inbank's customer service, indicating the amount to be returned and the date. We will then send you the final amount due.

To return the payment balance early, please contact Inbank.

The credit cost rate of hire purchase is 13.27% per annum under the following model conditions: price of the contract object when immediately paid (net price) € 15,000, credit amount € 12,000, down payment € 3,000, contract period 36 months, fixed interest rate 12.5% per annum based on loan balance, contract fee € 0, monthly payment € 398.98, total cost of credit and total repayments € 17,362.51. The creditor is Inbank AS. Before entering into a contract, carefully read the terms and conditions of the desired contract and, if necessary, consult an expert.

Arvuta endale sobivaim järelmaksulahendus määrates soovitud sissemaksu suuruse ning järelmaksuperioodi.

Järelmaksu summa on juba määratud vastavalt sinu valitud lahenduse kogumaksumusele.

Calculate the most suitable hire purchase solution by determining the desired deposit amount and instalment period.

The hire purchase amount have already been determined based on the total cost of your solution.