Bolt Pay Later: a consumer credit service provided by ESTO

September 07, 2022

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Today, we’re sharing the news of our partnership with Estonian fintech startup ESTO, launching a new buy now, pay later payment option — Bolt Pay Later

Currently, the service is available in Estonia, Latvia and Lithuania.

Buy now, pay later

Bolt Pay Later is a payment option allowing users to split payments for their purchases over up to 30 days without any additional fees. It’s available in around 2,000 ESTO partner stores across the Baltic states.

The service is available to ESTO’s current client base of 240,000 people that have already made 302 million transactions, and to all new customers opting to use the Bolt Pay Later payment and credit option within the ESTO ecosystem. 

Bolt Pay Later is a payment option that can be used in stores and online shops. It does not apply to the mobility or delivery services of Bolt and Bolt Food. This means that Bolt app users will still pay for their food or mobility-related services in real-time using their Bolt balance, bank card, mobile payment provider, or cash.

How Bolt Pay Later works

To use the buy now, pay later option for your purchases, simply choose the Bolt Pay Later payment option when checking out at a participating store. 

After choosing the Bolt Pay Later payment method, you’ll be asked to read and sign a contract with ESTO. When completed, you’ll get your goods straight away but are able to pay for them over the next 30 days (max.) without any interest or extra fees. You’ll need to be at least 18 years of age to sign the contract.

When choosing Bolt Pay Later for your purchases, please be considerate of your finances — it is a consumer credit service. If you need advice, please consult a financial expert.


Bolt does not issue or intermediate consumer credit. Bolt Pay Later is a consumer credit service provided by ESTO AS, an issuer of consumer credit licensed by the Estonian Financial Supervision and Resolution Authority. Consumer credit provided by ESTO AS is subject to Terms and Conditions. Before entering into any agreement for consumer credit, please consult an expert, if necessary.
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