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SPayLater is Shopee’s buy-now-pay-later payment option that provides you with extra spending power on Shopee. You can make a purchase immediately and pay for it on a monthly basis.

You have the option to spread out your repayment to 1 month, 2 months, or 3 months, with no additional fees.

For further flexibility, selected SPayLater users may have the option to spread out repayment to 6 or 12 months with applicable processing fees of 5% and 7% respectively.

In the event that you are unable to make your repayment, a late fee of $5 will be charged for each overdue SPayLater bill.

You can access your SPayLater by going to the Me tab > click on My SPayLater.

⚠️ Note 

1. SPayLater is currently available to selected users only. 
2. Each user’s spending limits are determined by Shopee’s internal systems and policies which are based on account spending and repayment behavior that are reviewed periodically. 



Learn more about activating SPayLater and where you can use SPayLater.