Consumers

Buy now, pay later with no interest or hidden fees

Overview

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

Why PayLater

1

Super flexible

Now*, later, or in instalments? Choose the payment method that works best for you.

*Make instant cashless payments with your GrabPay Wallet.

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 and when you shop online at our PayLater partner merchants.

4

More brands, better deals

Get special deals for your favourite online 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. This fee is chargeable for every missed payment, up to a maximum of S$30.

FAQs

Got questions? We’ve got answers.

For more questions, please visit our Help Centre.

  • 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
    • You’re a Platinum, Gold, or Silver GrabRewards tier member
    • 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.

  • Is PayLater a free service?

    Yes, it is free to use with no upfront fees or interest.

    Keep in mind that the only fee that may be incurred is the admin fee (maximum of $30) to reactivate a suspended account. Suspensions occur only if you have overdue PayLater bills that haven’t been settled in full.

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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.