SPayLater အရစ်ကျ တွက်ချက်စက်

SPayLater charges a flat monthly processing fee, typically 1.5% per month for 6–24 month plans. 1-month is free, and 3-month may be free for Shopee marketplace purchases.

SPayLater supports 1, 3, 6, 12, 18, and 24-month installment plans depending on your credit limit and eligibility.

Activate SPayLater in the Shopee app. You need a verified Shopee account, be at least 20 years old, and have a good purchase/payment history. Credit limit is auto-assessed.

Late charge is the lesser of 10 THB or the outstanding principal for that billing period. Late payments also negatively impact your credit score and may reduce your credit limit.

SPayLater credit limits range from 500 to 150,000 THB based on usage history. You can increase your limit by using the service regularly and always paying on time.

Yes, you can pay off the remaining balance early through the Shopee app with no early termination fee. However, processing fees already charged are non-refundable.

Shopee Mall purchases may qualify for 0% fee on 3-month plans. Outside Shopee (partner stores), the 1.5%/month fee applies from the first installment. Always compare before deciding.

Minimum purchase is 100 THB for the 1-month plan and 500 THB for 3–24 month installment plans, subject to current terms.