Short on cash until the next payday? 💸

Hang tight ’cause we’ve got you! Get through the Petsa de Peligro season with an instant loan through PayLater that gives you the flexibility to enjoy the Grab services you love NOW, then pay for them LATER all in one monthly bill. 

What is PayLater?

PayLater is a service that allows you to consolidate your spend on Grab services and pay next month. When you activate PayLater, you get instant access to a pre-approved PayLater amount that can be used for your Grab rides and GrabExpress deliveries. When your bill is generated, your transactions will be consolidated into a single bill that you can settle using your GrabPay balance before your bill due date.

Why Activate PayLater?

Get instant access to a spending amount with 0% interest rate

A processing fee of 3.99% will be charged for each transaction made with PayLater. An additional late fee of 3.99% will also be charged if bill is not paid on time.

Enjoy flexibility to pay later for Grab rides and GrabExpress deliveries (coming soon for GrabFood)

Plus, earn GrabRewards points for each Paylater transaction!

Receive a consolidated monthly bill and pay it easily in your Grab app with GrabPay

Click here to view payment terms for billing dates and other important information.

How to activate PayLater?

Or scroll down to learn how to activate PayLater on your app.

*Please ensure you are on Grab app version 5.76 or above before activating PayLater.


  • Activate PayLater
  • Select PayLater as Payment Method
  • Pay Outstanding Amount
  • Settle Monthly Bill

Frequently Asked Questions

PayLater can be used to pay for Grab rides and GrabExpress deliveries. But you will soon be able to use PayLater for GrabFood orders. Keep a look out for our announcements!

No. As of now, PayLater can only be used to pay for Grab rides and GrabExpress deliveries only.

Yes, you will earn GrabRewards points for each PayLater transaction.

There is a 3.99% processing fee for using PayLater. The processing fee will be charged on your outstanding PayLater spend. For example, if you have spent PHP 1,000 on PayLater for the month, you will be charged a processing fee of PHP 40.

Please be assured that if you activated but did not use PayLater Postpaid, you will not be charged to any processing fees.

As of now, only eligible Grab users will be offered the option to pay using PayLater. Eligibility depends on various factors, such as how long you have been a Grab user, the number of rides you have taken with Grab, your GrabRewards tier and more.

Please ensure you are on Grab app version 5.81 or above and your device OS version 6 or above (for Android users) before activating PayLater. 

Yes, you will need to activate PayLater if you wish to start using it as a payment method. To activate PayLater, you can open your Grab app and go to Payment > PayLater > Try PayLater Now.

Once you activate PayLater, it will be set as your Primary Payment Method for Grab rides, GrabFood orders and GrabExpress deliveries. 

By activating PayLater, you agree to all terms and conditions associated with this feature.

Each user will be assigned a unique PayLater Available Amount based on their user profile. 

Unfortunately, PayLater Available Amounts cannot be changed at this point.

Yes, your PayLater service will expire on your billing date. You will need to make full payment and re-activate your PayLater in order to continue to use the service.

When you activate your PayLater service, a copy of the PayLater contract will be sent to your email.

Once you have activated PayLater, it will be selected as your Primary Payment method.

For Grab rides and GrabExpress deliveries, your payment method is automatically selected to be PayLater, but you can change this anytime.

You can go to Payment > PayLater > View Details to view your current Spent Amount, Available Amount and Transaction History.

No, you will only be able to use PayLater in The Philippines. It will be disabled when you travel to other countries.

Depending on when you activate PayLater, your bill will either be generated on the 16th of 30th of each month.

For example, if you activated PayLater between the 1st to 15th of the month, your PayLater bill will be generated on the 30th of the month. If you activated PayLater after 15th of the month, your PayLater bill will be generated on the 16th of next month. 

After you have received your PayLater bill, you will need to settle your bill by 7 days to avoid a late fee of 3.99% of your outstanding amount.

You can settle your monthly bill using your GrabPay balance.

You may top up your GrabPay Wallet using credit or debit card to ensure you have sufficient balance to settle your bill.

To make payment, you can go to Payment > PayLater > Pay Now.

Yes, you will receive regular payment reminders before the due date to help you avoid any fees.

Please enable all your notifications so that you receive timely reminders. You can go to Account > Settings > Communications to activate reminders. Please check your spam email folder to ensure that you receive your monthly billing emails.

If you have paid more than your outstanding PayLater amount, please submit a request via our help centre and we will refund the excess amount to your GrabPay Wallet.

Please reach out to us via Help Centre so that we can work something out together.

You can change your default payment method by going to Payment > Settings (in the top right corner) and selecting your preferred payment method. Alternatively, you can also change your payment method when you book a ride or make a GrabFood order.

The information provided here is intended as a guide only and does not constitute an offer or application for a loan or financing. The above product is available for selected users only and eligibility is subject to Grab’s internal assessment, standard disclaimers and terms and conditions.
Please ensure that you have read and understand the service diclosure statement before accepting any terms and conditions of the service.
Grab Financial Services Philippines, Inc.
SEC Reg. No. CS201905977 / Certificate of Authority No. 1210
12F Floor Wilcon IT Hub Building, 2251 Chino Roces Avenue, Makati City, Philippines