Spread your payments with

Why PayLater?

Get what you want now, pay for it later

PayLater is here to bring you what you want when you want it, making payments for life’s pleasures easier and stress-free.

PayLater, the smart way to pay for life’s many pleasures

2 ways to PayLater

Pay in 4 monthly instalments

Make a large bill smaller at checkout. Pay only 1/4 of the total bill today.

Pay the next month

Track your monthly spend and pay for it all in one bill. You also earn GrabRewards points this way!

No interest,
no fees

Pay only the price of what you’re bringing home. There’s no interest, no upfront costs, and no fees as long as you repay on time.

Brands you (will) love

Use PayLater for your Grab spends and on brands you love.
Discover new brands and exciting offers now.

It is completely transparent.

Know everything that happens

Get updates every step of the way. From when a transaction has been made to when a repayment is successful. Made a refund in-store? We’ll let you know when you will get your money back.

No hidden charges

There’s only one charge if you miss a scheduled payment, and that’s a flat RM10 admin fee to reactivate your suspended PayLater account.

It prioritises your privacy and security.

Keep your credit card
number safe

Keying in sensitive credit/debit card details on multiple websites leaves you at risk of fraudulent transactions. With PayLater, you only need to check out with your mobile number no matter which store you are shopping at.

We confirm it's you who's shopping

We verify every of your transactions with a One-Time Password (OTP) sent to your mobile.

It's super simple to use.

Because the joy is in receiving your parcel, not paying.

Check out in 3 taps

There’s no need to memorise anything. Simply choose to checkout with Grab, key in the OTP sent to your mobile and select PayLater as your payment method. Done!

Pay back with ease

You can automate deductions from your GrabPay balance or linked card, which makes it virtually impossible to miss a payment, and keeps you from incurring any admin fee.

Yours in 2 minutes

PayLater is designed for easy registration, so you won’t need to apply or send us more documentation to start using it. If you’re an existing Grab user, you’re most likely able to access PayLater almost immediately.

Frequently asked questions

Am I eligible for PayLater?

Grab users who are eligible for PayLater should be

1. 21 years and older
2. Platinum, Gold or Silver GrabRewards tier member, and
3. Have used either cash, credit or debit card for at least 3 Grab transactions in the recent month.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet.

Will I get GrabReward points if I pay using PayLater?

An easy way to track if you’re earning GrabRewards points for your selected Grab payment method is to check it during the checkout flow. GrabRewards points is awarded for every PayLater Postpaid transaction.

While PayLater Instalments does not currently award any GrabRewards points, you can look out for our various exciting promotions and merchant offers for great value at our merchant directory.

Is there a cost to using PayLater?

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

I have more questions, where can I get help?

Find a comprehensive library of help articles in our Help Center.