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For Estonian customers only

An installment plan without any extra costs!

You only owe the amount that you borrow and not a cent more.
You owe zero costs!
0 € down payment
0 € contract fee
0 % interest

ALVADI will assume all interest costs of the loan

For example:
Borrow €150 for 3 months, and just make 3 monthly payments of €50 = €150

You only owe the amount that you borrow
and not a cent more!
Flexible payment terms
30, 60 or 90 days
Equal monthly payments
Quick and easy
Pay for purchases in 60 seconds
No credit cards or credit required


Total purchase amount:
Installment payment plans are available for purchases ranging from €99 to €1,000.
Make your choice:
Recurring monthly payment:
... eur
The ALVADI Trio installment payment plan is not a conventional loan, because the customer does not bear any additional costs.

Our installment plan does not reduce your credit limit in the way that utilizing regular lines of credit does. For example, it will not affect your ability to take out a loan from a bank or other lending institution.

How can I pay on website?

  1. Add the product to your shopping cart and click the «Checkout»
  2. Select the «ALVADI Trio» payment method
  3. Choose a payment term: 1, 2 or 3 months
  4. Please check that you entered your information correctly
  5. Sign the contract with your Smart ID or Mobiil ID
  6. We will ship your purchase anywhere you wish

How can I pay at the Majaka 10 store?

  1. Tell the consultant that you want to pay using Trio
  2. Tell them your phone number and email address
  3. We will send you the contract to your phone
  4. Read the contract
  5. Sign the contract with your Smart ID or Mobiil ID
  6. Receive the purchased product immediately

ALVADI Trio installment payment terms

  1. The service is only available to individuals aged 18–75 and who permanently reside in Estonia.
  2. You must be a Smart ID or Mobiil ID user.
  3. You must not have any outstanding debts under other active loans.
  4. You must have made contributions to the pension fund. We will calculate your salary based on these contributions.
  5. The minimum installment agreement amount is €99.
  6. The maximum installment agreement amount is equal to your minimum wage over the last 6 months (but not more than 1,000 €).
  7. ALVADI's installment payment service is provided by Modena Estonia OÜ.
  8. Bank account details and documents related to chargebacks will be sent to your email account and will also be accessible on the modena.ee website.
ALVADI Trio - buy now and pay later at no additional cost!
Go to the catalog
You can pay off your loan early by making installment payments ahead of schedule. If you miss an installment payment, a Modena Estonia OÜ representative will contact you to arrange a mutually convenient solution. If a payment arrangement is not able to be made, a late payment report will be filed with Krediidiinfo, and the case will be referred to a collection service. You will be able to read more about the payment terms in more detail in the contract when you apply for an installment payment plan.