FINANCING TERMS & CONDITIONS
Surfcenter.ee offers the option to pay for purchases using Montonio’s “Pay Later” financing — a secure and convenient way to split your payments into monthly instalments. Perfect for higher-value purchases such as kites, wings, boards, foils and other surf equipment.
What is Montonio Financing?
Montonio’s “Pay Later” is a flexible financing solution that allows you to divide your purchase into affordable monthly payments. With financing:
your order is considered paid instantly and Surfcenter ships the goods immediately
you repay the amount to the credit provider (e.g. Inbank, TF Bank, SVEA etc.)
approval is usually received within a few minutes
Benefits of Montonio Financing
Fast approval: Credit decision usually within seconds.
No upfront full payment needed: Pay back in monthly instalments.
Instant order confirmation: Surfcenter receives the funds immediately.
Flexible repayment period: Typically between 3 – 72 months, depending on the lender.
High approval rate: Montonio “Pay Later” success rate is above 90%.
How Montonio Financing Works
Add items to your Surfcenter cart and proceed to checkout.
Choose “Pay Later / Financing” as the payment method.
You will be redirected to Montonio’s financing application.
Fill in the required details and submit the request.
Upon positive approval, the order is instantly confirmed.
Surfcenter ships your products. You repay in monthly instalments as agreed with the credit provider.
When financing is NOT applicable
Used equipment (consignment items)
Services (lessons, rentals) — handled by Surfit OÜ
Business customers (most lenders support personal financing only)
FAQ
Does Surfcenter see my financial data?
No. All financing information stays strictly between you, Montonio and the credit provider.
Can I repay the loan early?
Yes, early repayment is usually allowed — depending on the credit provider.
Does applying affect my credit score?
A credit check is performed. Proper repayment can improve your credit rating.