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Your SPayLater and/or SLoan application has been rejected due to discrepancies with the information you provided.
Kindly check the notification sent to you or the reminder on the homepage banner to learn why your application was rejected.
Here are our recommendations to increase the likelihood of approval:
ID, Photo, and Liveness Check
Ensure your ID photo is clear and unobstructed (no shadows, glare, or damage).
Have a valid physical ID when applying.
Provide accurate details that match your government ID.
The person in the ID must match the liveness check.
Accounts Across Monee Products
Use the same details for your SPayLater, SLoan, and ShopeePay applications.
Avoid duplicate accounts with SPayLater/SLoan—use an existing one if available.
Active Use of Shopee and SPayLater
Shop more on Shopee.
Activate ShopeePay and use it for transfers, payments, and QR transactions.
Pay orders digitally (ShopeePay, e-wallets, bank transfers).
Pay bills and buy digital products on Shopee frequently.
During the interim period when your credit account is unavailable, feel free to utilize alternative payment methods.
⚠️Note · Approval depends on Monee Credit policies, internal strategies, and SPayLater Terms & Conditions. · If reapplication fails, try refreshing your app or contact Shopee Customer Service. · Existing SPL users may need to update expired or soon-to-expire IDs—upload a valid government ID. |
For additional information, you may refer to the SPayLater Terms & Conditions.