Use the money
from your previous purchases to make new ones

Simple terms

As a new user, you can get the money from your previous expenses to your bank account and pay back in 30 days with 0% interest.

Switch Guide

How it works

Step 1

If you haven't yet signed ESTO Credit Line or haven't yet made your first withdrawal from ESTO Credit Line, upload your invoice and indicate the amount of money, you would like to get back.

Step 2

Review and sign
the pay-later (credit line) agreement.

Step 3

Get the money
to your personal bank account.

Step 4

Use the money interest-free
for 30 days. No fees applied.

Step 5

Choose the repayment schedule
that suits you and pay back within 30 days.