Borderless Hire Purchase Liisi Plus
You can use the Liisi Plus hire purchase to pay for your purchases in any shop, online store or service provider. Apply directly with ease via Holm self-service.
Hire purchase
all over the world
Apply with
an image of the product or its price
Purchase amount
directly to your account
Offer in November
interest 0% for 3 months
Hire purchase up to
€25,000
Management fee
€0
Hire purchase from everywhere in the world
Liisi Plus is an innovative hire purchase, transferring the purchase amount directly to your bank account. You can pay for goods or services anywhere in the world - whether it's a store in Estonia or your favourite e-shop in America.
An image of the product and its price is sufficient
It's enough to attach an invoice, receipt, or even a picture of the product and its price to the application. You submit the application and receive the amount for the purchase in your account. You can choose a payment schedule according to your preference for up to 10 years.
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
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 18 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 info@holmbank.ee.
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 info@holmbank.ee 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee. 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 info@holmbank.ee. 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 30,27% on the following sample conditions – loan amount: €900; contractual fee: €9,90; repayment period: 20 months; fixed interest rate: 13,9% of loan amount per annum; total amount payable: €1113,14; net repayments: €1113,14 ; number of repayments: 20.
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
