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[SPayLater] What is SPayLater?
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SPayLater allows qualified buyers to buy now and pay later or choose an installment plan of up to 12 months for their Shopee purchases. Make sure to activate your SPayLater to be able to use this feature.
SPayLater has a processing fee of 0% to 2% per transaction amount, and monthly interest ranges from 1% to 5% for items. Pay your SPayLater bill on time to avoid additional charges.
Processing Fee | Interest Rate | Late Payment Fee |
0-7% of the total amount | 1% to 5% per month on total order The interest rate will be based on your personal credit profile | 2.5% to 5% This monthly rate is applied to the outstanding amount |
To find SPayLater in the app
From Finance page
From Me tab
⚠️ Note • SPayLater is available only to select Shopee users. • The 12-month loan tenor is currently available to select users only. • For bill computation details, contact Shopee for steps on how to view the bill breakdown. • Interest rates may vary across different product categories. • SPayLater cannot be used to purchase items from the Voucher, Jewelry, and Gold categories. |
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.
Learn how you can pay with SPayLater.