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SPayLater is a payment method within Shopee that offers qualified buyers the option to "Buy Now and Pay Later" or apply for an installment loan for their Shopee purchases and ShopeePay QR purchases. 

SPayLater's 'Lowest Installments Guaranteed' is an in-app feature that is committed to providing the lowest installment price (for the same tenor) on products upon payment via SPayLater. If you find the same product at a lower installment price being offered by our list of approved credit payment providers on approved platforms, SPayLater will give you the exact value of the installment price difference via Shopee Coins.

Products with a Lowest Installments Guaranteed (LIG) tag are qualified for claims.

Learn more about filing for claims, Terms and Conditions, and other related FAQs.