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LHV hire-purchase is affordable

You can pay for the goods or services in installments, both in e-shops and on-site stores. Choose a suitable vendor to buy from and see our best offers.

  • You will receive a response to your application within a few minutes
  • Credit amount from 50 € to 15,000 €
  • Down-payment from 0 euros
  • Monthly instalment from 1 euro
  • There is no monthly administration fee
  • Premature payment free of charge

You do not need to have an account with LHV to apply for a Consumer Loan.

Green hire-purchase

We want to make it easier for you to make energy-efficient choices by offering you a more favourable interest rate compared to regular hire-purchase.

See more

Calculate the monthly instalment

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The results are estimated and may differ from the terms and conditions offered to you.

  • Complete an application

    Fill in the hire-purchase application on our website or at the point-of-sale of our cooperation partner. There is no charge for submitting an application, and doing so does not obligate you to conclude a contract.

  • Offer
    After receiving your request, we will make you an offer valid for up to 180 days.

  • Select place of purchase and product/service
    View the vendors and best offers.
    You can conclude one or, if you wish, also several hire-purchase contracts.

  • Conclude the agreement
    Let the vendor know that you want to use LHV hire-purchase for a product or a service and sign the agreement at the vendor’s location.

Credit amount

50 € to 15,000 €

Interest

From 8.9% per year on the credit amount

Contract Fee

From 9.90 €

Length of the agreement

Credit amount up to 7,500 € – 3 months to 4 years
Credit amount from 7,500 € – 3 months to 6 years

Amendment of agreement

The fee for amending an agreement is 25 €. The premature payment of the whole credit sum is free of charge for a private person. Please let us know if you want to amend your agreement at finance@lhv.ee.

The premature payment

The premature payment of the whole credit sum is free of charge.

Repayment

Monthly payments are to be paid to the account EE707700771001062897; with the recipient being LHV Finance reference number: your agreement number.

The hire-purchase service is offered by LHV Finance. Review the terms and conditions at the vendor or the address lhv.ee/en/hire-purchase and consult our expert. The monthly hire-purchase payment is 48,37 € and the annual percentage rate of charge is 23,14% on the following sample terms and conditions: cost of the product/service 1,150 €, down-payment 0%, credit amount 1,150 €, annual interest rate of 10,9% of the purchase amount (fixed), contract fee 19,9 €, hire-purchase period of 31 months, with monthly annuity payments, in the total sum of 1,499,43 € and the total sum of monthly payments being 1,499,43 €.

Loan insurance is offered by LHV Kindlustus. Review the terms and conditions of insurance, along with the limitations and exemptions, and consult our expert. The monthly hire-purchase payment with insurance is 52,17 € and the annual percentage rate of charge is 31,15% on the following sample terms and conditions: cost of the product/service 1,150 €, down-payment 0%, credit amount 1,150 €, annual interest rate of 10,9% of the purchase amount (fixed), monthly fee of 3,8 €, contract fee 19,9 €, hire-purchase period of 31 months, with monthly annuity payments, in the total sum of 1,617,23 € and the total sum of monthly payments being 1,617,23 €.

You can make your hire-purchase more secure by adding insurance to your contract. Loan insurance ensures that you will not find yourself in trouble with hire-purchase instalments in the event of unforeseen circumstances. Read the terms and conditions of loan insurance.

  • becoming unemployed for reasons beyond the insured person’s control;
  • temporary incapacity for work, i.e., a certificate of incapacity for work valid for over 30 days;
  • absence of work capacity, i.e. the borrower has been issued a work capacity assessment decision;
  • death, i.e., any loan liability does not have to be met by your successors.

In case of an insured event, notify client support at LHV Finance as soon as possible. Client support will notify the loss adjuster, who will contact you with further instructions.

In the case of a contract with insurance, an additional monthly fee will be added, which is 8% of your hire-purchase instalment (principal + interest). For example, if you take out a hire-purchase in the amount of EUR 500 for two years, only about EUR 2 will be added to your monthly instalment.

LHV hire-purchase vendors and offers

If you cannot find a suitable choice in the list, please recommend a new cooperation to us.

Become a partner

We want to be a reliable and sustainable financial service provider for your business. Hire-purchase cooperation aims at reciprocal communication and mutual sales.

For our part, we will market your business to LHV clients, train your staff and help you put up marketing materials in your shop and e-store. We expect your company to actively offer hire-purchase to your clients and to conclude hire-purchase contracts every month.

It is worth offering the hire-purchase option to your clients if the average purchase amount of products or services is at least EUR 200. Long-term cooperation requires at least EUR 10,000 in sales volume per year.

Why choose LHV hire-purchase as your partner?

We are a financial partner that is easy to do business with. We provide your clients with a competitive interest rate and keep the terms and conditions transparent. This way, your client will receive the best service.

  • Simple operations
  • Quick decisions
  • Convenient solutions for both stores and e-shops
  • No cost to you in becoming a partner
  • Excellent after-sales service for your clients
Getting started is fast and convenient

Regardless of whether you sell products or services, meet with clients face-to-face or virtually in an online environment – offering the option to pay by instalments (hire-purchase) means more successful purchases for your company.

  1. Contact us.
  2. Enter into a cooperation agreement.
  3. Start offering LHV hire-purchase in your store and/or e-shop.
  4. Grow your company’s sales.
Easily integrated with your e-shop

Thanks to free payment modules and an API interface designed for special solutions, you can easily add a hire-purchase option to the shopping cart in your e-shop. In addition, our technical support will assist you every step of the way.

  • Magento
  • WooCommerce
  • Prestashop
  • Shopify
  • Shoproller
  • API documentation

Taavi Vaigla

Key customers sales manager within installment area

taavi.vaigla@lhv.ee

Customer support

Call 699 9119 Mon-Fri 9–17 or write to finance@lhv.ee

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