Placet instalments: buy now, pay in parts from 0%

Pay for your purchase in instalments with Placet, right in the CyberMarket cart: amounts from 50 to 15,000 €, terms up to 72 months and interest from 0%. The application takes a couple of minutes and the decision is instant — get your item now and pay in convenient monthly parts.

What is Placet instalment payment

Placet järelmaks is a consumer credit for your purchase, arranged right at checkout. You receive the item immediately and its price is split into equal monthly payments. Placet is an Estonian finance partner; the contract is signed online, with no bank visit and no paperwork.

How to apply for instalments

It takes just a few minutes:

• Add products to the cart and, at the payment step, choose "Placet instalments".

• Enter the amount and a convenient term (number of months) and fill in the short application.

• Sign the contract online with an ID card, Mobiil-ID or Smart-ID.

• Get a decision in a couple of minutes and complete the order — we'll ship your item.

Terms and interest

The main parameters of Placet instalments:

• Purchase amount: from 50 to 15,000 €.

• Term: up to 72 months — you choose the monthly payment.

• Interest rate: from 0% on selected offers.

• Early repayment: available any time, with no penalties.

• Placet shows the exact terms, rate and total cost in the application before you sign.

Who Placet instalments suit

Instalments are available to an adult (usually 18+) resident of Estonia with a regular income, a valid ID and an Estonian bank account. Placet checks creditworthiness and makes the decision individually.

Frequently asked questions

What is Placet instalment payment?

It's buying an item and paying for it in equal parts. Placet pays the seller and you repay the amount monthly under the contract. You get the item straight away.

How do I apply for instalments at checkout?

At the payment step choose "Placet instalments", enter the amount and term, fill in the application and sign the contract with an ID card, Mobiil-ID or Smart-ID.

What is the interest rate?

The rate starts from 0% on selected offers. Placet shows the exact rate and total cost in the application before you sign.

How fast is the decision?

The decision usually comes within a couple of minutes of submitting the application, and you can complete the order right away.

How much can I finance?

From 50 to 15,000 € for a term of up to 72 months. The final limit depends on the creditworthiness assessment.

Can I repay the instalments early?

Yes, you can repay the balance at any time. Early repayment reduces the total cost.