Financing

Buy now, pay later. At checkout you can split your purchase into parts with ESTO, Inbank or Klix — all three give you a decision in minutes, without leaving the shop and without paperwork.

Ways to pay in parts

All options are available online and in our stores. Choose the payment method at checkout. Note: for products with a discount above 20 %, only ESTO 6 and the interest-bearing hire-purchase options are available.

ESTOESTO 6 · 0 % overpayment

Split your purchase into 6 equal parts with no extra cost — or choose ESTO Nomaksa for a longer term.

ESTO 6 lets you divide the purchase amount into 6 equal monthly payments with no interest, no contract fee and no down payment. You pay exactly the price shown in the shop — just spread over six months.

ESTO Nomaksa is a hire-purchase option for a longer repayment period. The interest rate, term and monthly payment are shown in the ESTO application and confirmed before you sign — remotely, in a few minutes.

More about ESTO

ESTO financing is provided by ESTO AS, a licensed consumer credit provider in Latvia. The final decision, term and payment schedule are confirmed by ESTO after your application. Borrowing costs money — assess your needs and repayment ability before committing.

Terms

ESTO 6 6 equal parts, 0 % interest
Additional fees € 0
Down payment None
ESTO Nomaksa
Repayment period Longer term, chosen in the application
Interest Applies, shown before you sign
BorrowerPermanent resident of Latvia with regular official monthly income Required
IdentificationSmart-ID or internet bank Required
Inbank installments0 % overpayment

Pay in 3 equal parts, with no additional fees.

Inbank installments is a payment solution that lets you divide the purchase amount into 3 parts — easily and without additional fees.

It is a smart way to get everything you need at once without overpaying. Inbank installments are always free of charge: no interest, no contract fees and no down payment.

More about Inbank

We offer the Inbank installment payment method in cooperation with SIA “Inbank Latvia”, Reg. No. 40103821436.

+371 66 939 000 · info@inbank.lv

Terms

Payments 3 equal parts
Additional fees € 0
Purchase amount € 75 – € 2,500
First payment After one month
Interest and contract fee None
Down payment None
Add products to your cart → choose Inbank at checkout → confirm the terms → pay from next month.
Add products to your cart → choose Inbank at checkout → confirm the terms → pay from next month.
Klix & KlixPaylaterBuy now, pay later

Split your purchase into 1, 3 or 6 months — or up to 36.

Klix is a payment solution developed by Citadele Bank that takes care of the security of your data and money. It lets you pay in installments while making an online payment, without passing your details to the merchant.

KlixPaylater lets you buy today and pay later. You receive offers from Klix partner lenders, compare them, choose the one that suits you best and sign the loan agreement remotely.

More about Klix

Klix is provided by AS Citadele banka. Processing requires a qualified Smart-ID or Citadele internet bank access, together with a passport or ID card.

Terms

Loan amount € 50 – € 7,000
Loan term 1 – 36 months
Age of the borrower 18 – 80 years
Down payment 10 % from € 1,400
BorrowerPermanent resident of Latvia with regular official monthly income Required
IdentificationSmart-ID or AS Citadele banka internet bank Required
Identification → fill in the application → compare lender offers → sign the agreement. Image is for illustrative purposes.
Identification → fill in the application → compare lender offers → sign the agreement. Image is for illustrative purposes.

Good to know

Financing is available to permanent residents of Latvia with a regular official monthly income. The final offer, term and monthly payment are confirmed by the lender after your application — we never see or store your personal financial data.

Products bought with financing carry the same warranty and return rights as any other purchase. If you have questions about a specific bike or a larger order, contact us before ordering and we'll walk you through the options.

Responsible lending

To ensure responsible shopping, the amount a person can borrow using KlixPaylater is limited to no more than € 7,000 within the last 30 days.

Klix app

For more convenient use of Klix we recommend downloading the Klix app from Google Play or the App Store and completing the registration. Pay with a few clicks — quickly and conveniently.