Liisi Plus – flexible hire purchase
An innovative solution for using hire purchase to pay for any product or service. All you need is a photo or an invoice! The application takes a few minutes, and the money is transferred directly to your account – you can use it to pay for purchases in any store, e-shop, or service provider worldwide.
Flexible and convenient
to use anywhere
Fixed interes
9,9%
Hire purchase
up to €25,000
Contract lenght
up to 120 months
Contract fee
€9,9
Monthly administration fee
€0
Apply
Liisi Plus hire purchase calculator
€
Hire purchase amount
500 EUR
Hire purchase period
24 month(s)
Average monthly payment
The calculation is estimated and the final monthly payment depends on each customer’s credit rating
How to apply for Liisi Plus hire purchase?
1
Choose a suitable product and take a picture of the product and its price
An invoice, receipt, or even a picture taken with a phone of the product and the price tag will do.
2
Conveniently submit an application in our self-service environment
Upload a file containing the product and its price to the application and choose the suitable hire purchase amount.
3
We will make you a personalized offer
You can choose a suitable payment schedule for yourself and enter into a hire purchase agreement
4
We will transfer the purchase amount to your bank account
You can make the purchase right away, and pay us in installments over a longer period
Loan payment protection insurance
Loan payment protection insurance offers financial support in the event of unforeseen circumstances that may affect your ability to keep up with your loan repayments. Should you face situations such as long-term incapacity for work or unemployment, the insurance helps cover your monthly loan payments.
You can add this insurance to your loan agreement via our self-service. For more information, please visit loan payment insurance page.
Loan payment protection insurance is provided by If P&C Insurance AS.
Frequently asked questions
Liisi Plus is the most flexible hire purchase in the world, which you can use for absolutely any in-store, online, or service payments. Liisi Plus provides the opportunity to use hire purchase everywhere - even with those merchants who do not offer hire purchase. The interest rate is personalized, the application process is convenient, and fully digital through our self-service portal.
To apply for Liisi Plus hire purchase, a file (pdf, svg, jpeg, png, heic, webp, avif) is sufficient, showing the product to be purchased with hire purchase (or its name) and the price. Suitable documents include invoices (including advance invoices) and receipts, as well as a picture of the product and its price tag or the displayed price on an online store. It's important that the file reflects both the product name (or a picture of the product) and its price. If both cannot fit into one picture, upload a picture of the product and write the product price in the application. Only one file can be attached. If the information in the file is incomplete, the bank has the right to unilaterally terminate the contract within 14 days.
If you wish to finance an already paid invoice, the aforementioned requirements apply.
The advance invoice is an outstanding invoice that allows you to pay the merchant for the goods. In online stores, you can usually find this option when paying for your shopping cart under choices like 'Payment by bank transfer' or 'Payment by invoice.' If you select this option, the store will send you an invoice, which you can forward to us when applying for hire purchase. After transferring the purchase amount to your account, you can then pay the invoice to the merchant. When purchasing from a retail store, inquire with the customer service representative about obtaining an advance invoice.
If you wish to finance only part of the purchase with hire purchase, that is also possible. In this case, specify in the application the amount you want to finance.
You can apply for hire purchase for an amount up to €25,000. The exact eligible amount depends on each applicant's individual payment capacity and the desired period - the minimum monthly payment is €7.
We offer you a personalized interest rate, which depends on the amount you apply for and your creditworthiness.
No management fees are added, but there is a contract fee.
Hire purchase can be applied for by all Estonian citizens or residents of Estonia with permanent residency, who are at least 20 years old and do not have any outstanding debts.
The payment for hire purchase should be made according to the payment schedule, which can be found in the appendix to the contract. We do not send separate monthly invoices. Ensure that the payment reaches us by the due date, and please note that, for example, on weekends and holidays, the movement of interbank payments may be delayed. To ensure you don't forget to make the monthly payment, you can set up a standing order in your internet bank. You can keep an eye on the payment schedule in our self-service portal.
Yes, when formalizing the contract, you can choose a repayment period and a payment date that suits you.
Yes, generally, it is possible to change the hire purchase repayment schedule, and if desired, the amount can be repaid early. Please inform us of your request through our self-service portal or at [email protected].
If you want to know in advance for what amount you can use hire purchase, you can apply for a hire purchase limit in our self-service portal, which you can find here. The hire purchase limit allows you to be sure that you can get the desired amount for your purchase. The limit is valid for 60 days and allows you to apply for hire purchase both in our partner stores and by using Liisi Pluss with a transfer of the amount directly to your bank account.
Swedbank
Log in to the Swedbank Internet bank.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to [email protected] together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the SEB Internet Bank.
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
LHV
Log in to the LHV Internet bank.
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Luminor Internet Bank.
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Log in to the Swedbank Internet bank.
Select ‘Everyday banking’ and ‘Account statement’.
Mark the period ‘Start’ (6 months ago from today) and ‘End’ (today).
Select ‘Send inquiry’.
Then click "Download" at the top right of the displayed statement.
You can save the document in ASICE format to the computer with the confirmation of the bank, or send it to [email protected] together with the personal identification code. You can also upload your account statement in our self-service environment.
SEB
Log in to the SEB Internet Bank.
Select ‘Transactions’ from the menu and then ‘Account statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (yesterday).
Select ‘Digitally signed’ and then save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
LHV
Log in to the LHV Internet bank.
Select ‘Assets and liabilities’ from the menu and then ‘Account Statement’.
Select the period: start date (6 months ago from today) and end date (today).
Then, click the ‘Save’ button at the top right and save the account statement in ASICE format to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Coop Pank
Log in to the Internet Bank from https://www.cooppank.ee/en
Select ‘Statement’.
Select the period: ‘From’ (6 months from today) and ‘Until’ (today).
Select ‘Account statement’.
Click ‘Save’, select the ASICE file format, and save the account statement to your computer.
Send the saved account statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Luminor
Log in to the Luminor Internet Bank.
Select ‘Post’, select the subject ‘Account’, and enter the content of the message: ‘Please send a digitally signed statement for my account No. xxx for the last 6 months to the e-mail address.’
Please note! Luminor only sends encrypted (CDOC format) statements by e-mail, which you can only open with your ID-card and PIN 1 (decrypt with an ID-card). Then, save the file in ASICE format (as a digitally signed file) to your computer. Send the saved statement together with your personal identification code to [email protected]. You can also upload your account statement in our self-service environment.
Additional information
The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate of charge is 22,56% on the following sample conditions – loan amount: €900; contractual fee: €9,90; repayment period: 12 months; fixed interest rate: 9,9% of loan amount per annum; total amount payable: €995,34; net repayments: €995,34 ; number of repayments: 12.