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[SPayLater] Can I apply to increase my available SPayLater limit?
English | Bahasa Malaysia
Eligible users can now apply to increase your SPayLater limit by submitting your income documents. The feature is now being gradually rolled out to selected users and will be made available to all users soon.
Please follow the steps below to increase your SPayLater limit:
Step 1: Go to SPayLater homepage
Step 2: Click on Increase Limit Now
Step 3: Upload at least 2 types of the required documents and click Submit
Step 4: Wait for the application result
Employed Users - Please submit 2 out of the 4 documents | ||
Document Type | Number of Files Required | Note |
Bank Statement | 3 | · Latest 3 consecutive months’ bank statement showing your salary credit history
· Max. 20MB per file
· Submit 1 month of bank statement per file, total of 3 files
|
Payslip | 3 | · Latest 3 consecutive months’ payslip
· Max. 20MB per file
· Submit 1 month of payslip per file, total of 3 files
|
EPF Statement | 1 | · Latest EPF statement with at least 3 months contribution
· Max. 20MB per file
· Refer to this link here for more information on how to download your EPF statement
|
Tax Declaration Form | 1 | · Latest Tax Declaration Form
· Max. 20MB per file
· Refer to this link here for more information on how to download your Tax Declaration Form
|
Self-employed Users - Please submit all 3 documents | ||
Document Type | Number of Files Required | Note |
Business Registration Certificate | 1 | · SSM Certificate
· Max. 20MB per file
|
Bank / E-wallet Statement | 3 | · Latest 3 consecutive months’ bank / e-wallet statement
· Max. 20MB per file
· Submit 1 month of bank statement per file, total of 3 files
|
Tax Declaration Form | 1 | · Latest Tax Declaration Form
· Max. 20MB per file
· Refer to this link here for more information on how to download your Tax Declaration Form
|
Please ensure that the documents uploaded are complete and clearly visible for higher chances of limit increase approval. The approved limit for each user can vary and is determined at our discretion. We periodically review SPayLater accounts and adjust the limit (either increase or decrease) based on various factors.
We may also use alternative models to assess your profile, which include transaction, repayment history and other credit information to determine your SPayLater limit. As part of our commitment to transparency, we will only use your personal data with your consent. Please refer to our Terms of Service here and Privacy Policy here for more information.
If you are not yet eligible for this feature, follow these tips to increase your chances of getting a higher SPayLater limit:
Frequently use SPayLater for transactions on the Shopee app.
Ensure you pay your SPayLater bills on time, before the due date.
Follow the SPayLater terms and conditions, making purchases only at authorized merchants.
SPayLater is a service provided by Monee Capital Malaysia Sdn. Bhd. (formerly known as SeaMoney Capital Malaysia Sdn. Bhd.).