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You can check your SPayLater balance from your Shopee App > Me tab > My SPayLater.

The Available Balance is your Total Balance minus any outstanding SPayLater transactions. In other words, it indicates the current spending limit you are able to use for your next SPayLater transaction.

The Total Balance is the maximum amount allocated to your SPayLater account for you to spend on SPayLater transactions. 

⚠️Note

• Each user’s spending limits are determined by Shopee’s internal systems and policies. Requests to increase your Total Balance cannot be processed, but account spending and repayment behaviour are periodically reviewed.
• Starting on May 6, 2024, SPayLater will be available to select even if it exceeds the SPayLater credit limit. By default, you will be using the remaining SPayLater credit limit first. For the remaining amount, you will need to pay via a separate payment method (credit/debit card, ShopeePay, or PayNow).