Liisi hire purchase

With the Liisi hire purchase, you can pay for your purchases in flexible instalments over a longer period.

Hire purchase

up to €25,000

Period up to

120 months

Contract and administration fee

from €0

Down payment

from €0
Apply for hire purchase limit
Liisi hire purchase

Liisi hire purchase helps you spread the cost of your purchases over time. It is available in many stores and online shops across Estonia.

You can check your personal hire purchase limit by applying in Holm self-service. Once your limit is approved, you can choose Liisi hire purchase at checkout when shopping online, sign the agreement, and complete your purchase. In-store, the salesperson will submit the application for you. You can sign the agreement either on paper or digitally, whichever suits you best.

For greater flexibility, you can choose Liisi Pluss hire purchase. This allows you to shop not only in Estonia, but also in stores and online shops worldwide. Simply apply in Holm self-service and use hire purchase wherever it suits your needs.

Liisi hire purchase campaigns

ON24

Liisi 3 - pay in three parts with no extra costs
Interest rate 0%
Contract fee €0
Down payment €0

View

Jussike

Pay in three equal parts - intrest 0%
Contract fee € 9,9

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Baltest mööbel

6 months interest 0%
* minimum contract period 12 months

View

Aatrium sisustuskaubamaja

3 months interest 0%

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Viigardi köögid

6 months interest 0%
* minimum contract period 12 months

View

Liisi Plus for shopping anywhere!


Do you want hire purchase where Liisi hire purchase is not offered? Or to make an application and contract conveniently at a time that suits you directly on your smart device?

With Liisi Plus, you can use hire purchase everywhere - both in Estonia and abroad, at any store or service provider. You can use Liisi Pluss hire purchase for both new purchases and financing already paid invoices. You can conveniently submit the application in our self-service, and the desired purchase amount will be transferred directly to your account.

Read more
Liisi Plus for shopping anywhere!

Frequently asked questions

1. Who can use Liisi hire purchase?
All citizens of the Republic of Estonia or people with a permanent residence permit in Estonia at least 20 years of age can use Liisi hire purchase. Your income must be at least 385 euros a month and you must not be in arrears.
2. How can I sign the Liisi hire purchase contract?
You can sign a Liisi hire purchase contract in the store on paper or digitally with an ID-card, Mobile-ID, or Smart-ID.
3. What is the credit limit for Liisi hire purchases?
A credit limit is a monetary limit within which you can purchase goods or services. With Liisi hire purchase, it is possible to apply for a maximum of 25 000 euros. Your possible hire purchase limit will be determined after you submit the application. Ask for an offer from a store suitable for you or before the purchase from us.
4. Is there a fee for concluding a Liisi hire purchase contract?
The contract fee is from 0 euros. The amount of the contract fee depends on the store and the ongoing campaigns.
5. Will I be sent a monthly invoice?
Liisi instalments and small loans are paid on the basis of a payment schedule (annex to the contract). Holm does not send a monthly invoice. Make sure that the payment reaches our account no later than the payment deadline (for example, on holidays and public holidays, the transfer of interbank payments may be delayed). In order not to forget the payment, you can enter into a standing order in your Internet bank. You can also follow the payment schedule in our self-service environment.
6. What is the reference number?
With Liisi hire purchase contracts, the reference number is the contract number, which you can find in the header of the contract.
7. Is it possible to choose a suitable repayment period when drawing up a Liisi hire purchase contract?
Yes. The repayment period of Liisi instalments can be 1–120 months. The exact payment schedule will become clear after assessing your solvency.
8. Can I pay more than one instalment in a month?
Yes – the amount overpaid will be an advance on the next instalment(s).
9. Can I terminate my Liisi hire purchase contract prematurely?
Yes, you can repay the loan or part of it received under the Liisi hire purchase contract ahead of time. If you want to do so, notify Holm in writing on paper or by e-mail at [email protected].
10. Can I change the payment schedule of my Liisi hire purchase contract?
Yes, it is usually possible to make the Liisi hire purchase payment schedule longer or shorter and to change the payment date. If you want to do so, notify Holm in writing on paper or by e-mail at [email protected].
11. Where do I see my contracts?
You can see your contracts from our self-service. Enter self-service here.

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 33.74% on the following sample conditions – cost of goods/loan amount: €500; contract fee: €15.00; repayment period: 36 months; fixed interest rate: 15.9% of loan amount per annum; total amount payable: €750.19; net repayments: €750.19; number of repayments: 36.

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