SPayLater, a buy now, pay later option, lets eligible users split their Shopee purchases into easy payments over 12 months or pay later. Processing fees range from 0%–2%, with monthly interest rates of 1%–5%.

To be eligible for SPayLater, applicant must:

• be at least 21 years old; at most must not be older than 65

• be a Philippine citizen and a non-US person

• have a Philippine mailing address and an active Philippine number

• have one acceptable ID

During your checkout, select Payment Option > select SPayLater > CONFIRM > Place Order > fill in your ShopeePay PIN or verify with your biometrics (fingerprint/face ID).