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 Review Shopee PayLater Installment Without Credit Card

Shopee Pay Later is an installment credit facility for shopping at the Shopee online store. How was your experience using this installment facility? How much is the interest and requirements for submitting without a credit card? Along with the rapid growth of e-commerce, online marketplaces have begun to offer installment facilities for their consumers. Consumers can then take goods on credit in the marketplace. The installment facility, or often called PayLater, has long been available in the marketplace. Not even long after the marketplace started, the PayLater service came along.

This is because people's need for credit payments is quite high in Indonesia. Shopee PayLater is a payment method that will make it easier for you to shop. You will get an instant loan with very minimal interest.

However, unlike ShopeePay, Shopee PayLater can only be enjoyed by active users of the Shopee application who are considered eligible. What is Shopee PayLater or SPayLater?

Before discussing interesting facts about Shopee PayLater, you need to understand the definition first.

Shopee has a large selection of payment methods. Some of them are bank transfers, online credit/debit cards, cash on delivery (COD), BCA OneKlik, minimarkets, and ShopeePay. Well, all of these methods require Shopee friends to have money in advance. Then, you need to pay for the desired item with that money.

So, what if you need to buy something, but you don't have enough money to pay for it? Don't worry, Shopee friends. Now, there is Shopee PayLater or what is now called SPayLater!

Shopee PayLater is a payment method where you will get an instant loan. In other words, Shopee will lend you some money to buy the items you need.

Then, what about the flowers? Isn't the loan interest usually high?

Again, take it easy, Shopee pal. Shopee PayLater is a loan method with very minimal interest! You can also pay installments 3 times, 6 times, or 12 times. Payments are made according to the selected due date, which is every 5th or 25th of every month.

With SPayLater, you can easily buy your various needs!

Interesting Shopee PayLater Facts

1. The result of collaboration between Shopee and PT Commerce Finance

Shopee PayLater is the result of a collaboration between Shopee International Indonesia and PT Commerce Finance. This product is one of the payment methods in the Shopee application. SPayLater allows Shopee users to buy the desired item and only pay for it at a later date when it is due.

PT Commerce Finance itself is a multi-finance company that provides loan products for SPayLater. So, if you want to use the SPayLater service, don't worry. PT Commerce Finance has been registered and supervised by OJK (Financial Services Authority)!

2. Responsive customer service

Before deciding to use SPayLater, you certainly have a lot of questions about this product.

Well, no need to be confused, Shopee Friend! You can directly contact PT Commerce Finance at the customer service number or user service at (021) 80864285. Alternatively, you can also send an email directly to

3. Easy and practical activation method

How to activate Shopee PayLater is easy and practical. Even so, there are conditions that must be met by each account before activating it, including:

must be registered and verified

the account is at least 3 months old

often used for transactions

must have updated to the latest Shopee application

Always remember that SPayLater activation can only be done through the Shopee application. You will need a photo ID and facial verification. Shopee will also need additional information about you, one of which is about work.

The activation request will be checked by the relevant team within 2×24 hours. If approved, you will receive a notification that you have successfully activated SPayLater.

You will also get a credit limit whose value is adjusted to how high your purchase transaction level is at Shopee.

4. Simple payment and billing system

After making a purchase transaction with SPayLater, you will be required to pay the bill according to the installment period you choose. Currently, the three Shopee PayLater installment periods available are 3 times, 6 times, and 12 times.

Interestingly, SPayLater offers a credit method at Shopee with very minimal interest! You can also choose your due date, which is the 5th or 25th of each month.

5. The limit will increase with the number of transactions on Shopee

Do you think Shopee PayLater's credit limit is too small? Take it easy, Friend Shopee. Shopee PayLater limits are things that can change. The reason is, the SPayLater credit limit In conclusion, Shopee PayLater is a payment method in the form of an instant loan with very minimal interest. This method of credit at Shopee is fairly practical and profitable.

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