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SPayLater lets you shop on Shopee and pay your total amount on a scheduled due date. But if you need more time to pay, you can switch eligible SPayLater Buy Now-Pay Later purchases to a longer payment plan to better manage your expenses.

Benefits:

• Lower Monthly Repayments - manage your expenses with more flexibility by spreading out large payments across more months.

• No additional fees or hidden charges when switching to a longer payment plan. Only a standard interest based on your nominal interest rate and payment duration will be applied.

Switch to a longer payment plan

Make sure to review how your new payment plan will be computed. Switching to a longer payment plan is non-reversable, make sure your decision is final before proceeding.

To convert your eligible purchases, go to the SPayLater homepage in the Shopee app > Select Convert to Installment > Choose the transaction you’d like to change > Next > Choose a payment tenure > Check the monthly repayment breakdown (processing fees not included) > Confirm.

Once completed, you can view the updated transaction on the Transaction page. Converted items will be tagged as Converted.

Frequently Asked Questions

Q: How long does the switch take, and how will I know if it’s successful? 

A: The change happens in real time. You’ll receive a confirmation notification once it’s successful. 

Q: Why can’t I switch a transaction to a longer payment plan? 

A: You currently don’t have any eligible SPayLater transactions. Currently, only BNPL transactions are convertible into a longer installment plan.

Q: Can I partially switch a transaction to a longer payment plan? 

A: No. The full transaction amount must be switched. 

Q: Will I be notified once my transaction is successfully switched? 

A: Yes. You’ll receive a notification confirming the change. 

Q: Can I request a refund after switching to a longer payment plan? 

A: Yes. Refunds are still allowed even after switching to a longer payment plan but still subject to Shopee’s return / refund policy.

Q: What payment duration options are available? 

A: Available payment durations may include 3, 6, or 12 months, depending on your current SPayLater eligibility and available options. 

Q: What happens to my promotional or 0% interest rate after switching? 

A: Promotional or 0% interest rates will no longer apply after the switch and regular SPayLater interest rates will apply.

Q: Can I switch both “Before Order Received” and “After Order Received” transactions at the same time? 

A: Yes. You may switch both at once, but they will remain as separate transactions after the change. 

Q: Why is my total repayment amount higher after switching?

A: Your total repayment is higher because interest is charged over a longer payment period. A longer period can lower your monthly payment, but may increase the total interest.

Q: What orders are eligible for BNPL conversion?

A:  Generally, all SPayLater BNPL orders are eligible for conversion.

Q: What will happen to the initially issued loan contract?

A: It will be replaced within 3-5 business days with a new contract reflecting the updated loan terms and computation.