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If you encounter the following scenarios on your app:

• The SPayLater page displays Sorry, your SPayLater is locked as your account failed to meet our confidential criteria.

You receive a push notification in Finance Updates: 'We have reviewed your SPayLater account; unfortunately, it no longer meets the qualifying criteria. However, timely bill repayments are essential to avoid late fees and maintain a good repayment history with Shopee and other credit institutions in Malaysia.'

Factors Influencing Account Review

• Multiple risk factors considered for SPayLater eligibility
• Periodic reviews ensure different accounts enjoy varying benefits
• Shopee reserves the right to adjust account accessibility over time

Effect on Other Credit Products

If one credit product is revoked, other Shopee credit products like SLoan for Seller, SLoan for Buyer, and QuickFund will also be unavailable.

Explore Other Payment Options

For future purchases, Shopee offers diverse payment methods. To learn more, refer to the article What payment options does Shopee support?