Hire-purchase allows you to turn a large one-time outlay into a small monthly expense and pay for the products in installments. The first payment only after a month.
When ordering products, please fill in the hire-purchase application in the Hansapost.ee system.
1.    Select a product and add to cart.
2.    Select "Hire-purchase" as the payment method. When filling in the application form, you will be asked to provide the necessary information and read the terms and conditions. After submitting your application, follow the instructions and check your email.
In case of a positive answer, you will receive an automatic letter with a link to enter into a contract with AS Inbank Finance. Please sign the contract digitally. If you do not have the possibility to sign the contract digitally, please contact Hansapost.ee customer support by phone +372 615 0026 so that we can arrange for the possibility of signing on paper. Once you have successfully signed the contract, your order will be processed.
Our support team or hire-purchase bank may contact you to obtain additional documents or information if necessary to evaluate your application.
If the answer to your request is no, you will receive an email about it.
3.    NB! The goods can be picked up only by the person specified in the hire-purchase agreement.
4.    Hire-purchase is offered only to natural persons, it does not apply to legal entities.
5.    After fulfilling all the conditions under the hire-purchase agreement, you will become the owner of the product.
Any loan is a financial obligation. Consider your decision carefully - read the terms and conditions of the hire-purchase agreement and, if necessary, consult with experts.

Terms and conditions of hire-purchase and additional information

1.    All citizens of the Republic of Estonia or persons with a residence permit in Estonia who are at least 18 years of age may apply for hire-purchase.
2.    The contract duration can be from 9 to 60 months. The contract period is different and depends on the amount of your purchase.
3.    Interest is 22%.
4.    Contract fee €0.
5.    You have the opportunity to apply for a grace period and postpone the first repayment for 6 months. Remember that an interest rate is charged for a grace period of 6 months.
6.    Payment in instalments is possible only if the purchase amount of your order is at least 50 euros.
Standard example: the annual percentage rate of charge for hire-purchase is 45.77% on the following sample conditions: hire-purchase amount 300 €, contract period in months 12, interest rate 22% on the purchase amount, down payment 0%, administration fee 0%, monthly instalment 30.50 €, total cost of credit 366 €. The service provider is AS Inbank Finance. Before entering into a contract, we recommend that you familiarize yourself with the terms and conditions of the financial service and, if necessary, consult a specialist.
The term of the consumer credit agreement offered to you may differ from the term chosen by you due to the terms of responsible lending.