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[SPayLater] What is SPayLater?

English | Bahasa Malaysia

 

SPayLater offers users a convenient financial solution, enabling them to enjoy payment flexibility through a user-friendly digital platform. With SPayLater, users can make immediate purchases while having the option to defer payment. This service offers different payment plans, allowing users to spread their payments over periods ranging from one to twelve months.

*T&C applies

 

Payment Plans

 

  • Processing fees depend on your preferred payment plan
  • The 12-month, 18-month and 24-month instalment payment plan options are only available to eligible users only.

 

Payment plan

Processing Fees

Late Fees

1-month

0% per month on total payment/order amount starting from 18 January 2024

Your SPayLater account will be temporarily frozen until the outstanding amount has been paid. To reactivate the account, users will be charged a late fee of RM10. 

 

3-month instalment

1.5% per month on total payment/order amount

6-month instalment

12-month instalment

18-month instalment 

24-month instalment 

 
*The 3-month instalment plan has a 0% processing fee for Shopee platform checkouts (excluding ShopeeFood, insurance and Prepaids, Bill & Tickets). You can see 0% processing fees at the checkout payment option page.

 

Access SPayLater by going to the Me tab > SPayLater

 

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 ⚠️ Note

 

 

Before you choose to pay via SPayLater, understand the detailed terms and conditions to see if you're eligible and whether the payment plans suit you.

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