Consumers

Buy now, pay later with no interest or hidden fees

Overview

Enjoy the flexibility of splitting your bill into 4, 8 or 12 monthly payments or pay it all next month. Earn GrabRewards points either way you choose to pay.

Why PayLater

1

Super flexible

We’ve enhanced your flexibility to pay. Enjoy payments in the next month or within 4, 8 or 12 instalments.

2

Fully transparent and interest-free

No interest, upfront costs or hidden fees. Stay up to date with real-time notifications on transaction deductions, cash refunds, and automated payments.

3

Pay later everywhere

Use PayLater for Grab services, online shopping and when you shop offline at our PayLater partner merchants.

4

More brands, better deals

Get special deals for your favourite brands.

Start shopping.

Spending responsibly can be easy

We’ve put features in place to help you build healthy spending habits.

Personalised PayLater limit

We’ll set appropriate spending limits for you based on your spending history with Grab.

Track your spending at a glance

Check your available PayLater spending limit, payments due, upcoming payments, and more on PayLater’s in-app homepage. To help manage your expenses better, you’ll also receive a consolidated monthly bill in your Grab app inbox.

No more snowballing debts

If you’ve missed a payment, your account will be temporarily suspended until you’ve made the outstanding payment. You’ll also need to pay a S$10 admin fee to reactivate your account.

Our commitment to safety

Keep your card details safe

With PayLater, your mobile number is all you need to check out. You won’t be asked to share any of your card details online.

Only you and no one else can access your account

Your funds are secured with your Grab PIN. Your account is also protected with biometric safety features, including fingerprint scanning authentication on Android devices and Face ID authentication for iOS devices.

Fraudulent activities? Not on our watch

Your account is protected with a 24/7 fraud detection engine so you can ride, dine, shop, and pay with confidence. We monitor your account activity to identify unauthorized transactions. Once identified, we will decline the transaction immediately. Contact us anytime if you suspect that your account has been compromised

Read about our latest security measures

Read about our latest security measures

FAQs

Got questions? We’ve got answers.

For more questions, please visit our Help Centre.

  • How does PayLater work?

    PayLater provides additional payment flexibility. You can make payments in the next month or in 4, 8 or 12 instalments. A processing fee is applicable for 8 or 12 instalment options.

    Keep in mind, a S$10 admin fee is incurred if you fail to make your payment in time.

    You may read more in our terms of service.  At the request of customers, we will provide explanations in Chinese, Malay, and Tamil.

  • Am I eligible for PayLater?

    To qualify, you should be:

    • You’ve been an existing Grab user for at least 6 months
    • You’re aged 18 years and above
    • Your account has been fully verified
    • Your Grab app has been updated to the latest version.

    If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Finance, 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. All approvals are subject to our internal review.

    We are working towards providing the PayLater service to more users soon. Stay tuned!

  • Will I get GrabRewards points if I use PayLater?

    Easily track if you’re earning GrabRewards points for your selected Grab payment method by checking it during the checkout flow. Get up to 1.2% back in GrabRewards points (or up to 6 GrabRewards points per S$1 spent) for every PayLater transaction.

    Look out for our various exciting promotions and merchant offers for great value at our merchant directory.

Payments

The interest-free and rewarding way to pay

Try PayLater now

Try PayLater now

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PayLater is a buy-now-pay-later (BNPL) service and does not constitute a loan, credit card or charge card facility provided to you by GFin Services (S) Pte. Ltd. and/or its affiliates. BNPL service is not regulated by the Monetary Authority of Singapore (MAS). GFin Services (S) Pte. Ltd. is a BNPL Provider as defined under the Singapore BNPL Code of Conduct and is in the process of obtaining accreditation under the BNPL Code of Conduct.

Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.