EstoReviews 

It feels like a nightmare I can't wake up from. It all started on Bumble. I connected with someone who offered to show me the ropes of yield farming. To build trust, they forwarded 11.01 BTC to my wallet to register on their platform. I followed their lead, traded, and actually withdrew 19.66 BTC. Convinced it was real, they urged me to scale up. I risked a personal loan totaling $636,260. My dashboard skyrocketed to $6,029,590. Thrilled, I attempted to pull out $5,014,495, only to be hit with a 13% liquidity release fee amounting to $651,884. Desperate, I scrambled to pay it, relying on my previous successful withdrawal as proof it worked. Then came a demand for a 31% wallet verification fee. The illusion shattered. I contacted authorities who pointed me to a cybersecurity task force (Fiscop Advisor). Their investigators tracked the BTC straight to Coinbase, identified the culprit's bank details, and successfully recovered the stolen funds.

Latvian websites say 0% per year. In the end, you end up paying about 25% over 12 months.Latvian websites say 0% per year. In the end, you end up paying about 25% over 12 months.

Tried to purchase a bicycle from Decathlon using ESTO 3 (3-month installment plan) — completely failed.

I made 3 attempts using two different banks (Revolut and Paysera), both reliable and widely used. Each time, the process got stuck right after card verification. Small amounts were charged for verification, but I never received any confirmation, email, or further instructions — !nothing!

I even called customer support, and they told me they couldn’t see my request in their system at all. Meanwhile, the page keeps saying “please wait up to 15 minutes,” but nothing happens. It is also stated that email responses may take up to 5 days, which is unacceptable in a situation like this.

I wasted an entire day trying to complete a simple purchase.

Honestly, I’m surprised Decathlon is partnering with this service. Based on my experience, I would strongly not recommend ESTO — better use another provider or pay in full.

Total waste of time.

Hidden fees, very bad and ever-changing interest rates - these are 'legal' lonesharks operating very barely by the letter of the law. Avoid them at all costs. Get a personal loan from your bank, or use a credit card, if you want better experience, and I still recommend against either of those options. These are very bad people whom you cannot trust, running a very bad company that will absolutely scam you.