In our busy lives, unexpected expenses always seem to pop up—like when your laptop breaks down and you need a new one, moving into a new house, buying groceries and buying appliances, or paying for road tax and insurance.
What happens if you don’t have cash or a credit card at that moment? Don’t worry! As long as you have your phone with you, SPayLater is sure to be your lifesaver.
How so? It lets you break down those big expenses into manageable instalments so that you don’t have to stress about paying everything at once.
For those who aren’t familiar with SPayLater, let me introduce it to you!
SPayLater is a super handy “Buy Now, Pay Later” financial tool from Shopee. It allows you to split large, one-time expenses into instalments, helping you manage your finances with ease!
Whether you’re shopping on Shopee, online stores, or even at physical shops, SPayLater has you covered. It’s not only convenient and fast, but it’s also safe and reliable. Let me share with you why SPayLater is such a game-changer!
1. Safe and Reliable
SPayLater is certified by Amanie Advisors, a leading global Islamic finance consultancy registered with the Securities Commission (SC) of Malaysia.
This means that SPayLater complies with Shariah regulations in all transactions, ensuring that every transaction is conducted according to the rules and making it safe and reliable.
Additionally, SPayLater sets a personalised credit limit based on your repayment behaviour and financial habits preventing you from spending beyond your means and avoiding unnecessary financial pressure.
If you do happen to miss a payment, the late fee is only RM10, with no compounding interest applied.
2. 0% Processing Fees
Good news! SPayLater is now offering a special deal — enjoy up to 3 months of interest-free instalments!
Usually, SPayLater charges a 1.5% processing fee for instalment payments, but now you can choose between 1 or 3 months with 0% fees. Now this is a fantastic offer!
3. Available for in-store purchases too!
SPayLater is not only for online shopping but now you can easily scan and pay in physical stores too!
Save up to RM25 with just 1 sen! Purchase an SPayLater voucher for your favourite stores from just RM0.01 and apply the voucher at checkout to enjoy up to RM25 off! This offer is valid until September 30.
In addition to these participating merchants, over 1.8 million DuitNow retailers across Malaysia now accept SPayLater, including popular local brands like MYDIN, Lotus’s, Petron, Zus Coffee, and Al-Ikhsan.
Simply scan the merchant’s DuitNow QR code using your ShopeePay wallet and select SPayLater as your payment option, or let the merchant scan your ShopeePay QR code to complete the transaction.
Some partner brands are also offering exclusive promotions! Click here to check it out!
4. RM15 off for new users!
SPayLater has more great offers in store! Simply sign up as a new user and receive an RM15 discount voucher from SPayLater!
In conclusion, SPayLater is your perfect financial helper, taking the stress out of big expenses.
If you haven’t tried SPayLater’s Buy Now, Pay Later feature yet, open the Shopee app now and activate SPayLater to enjoy easy instalment payments!
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