About
SPayLater is the credit line built into Shopee's checkout and the ShopeePay wallet, offered by Monee, Sea Limited's digital financial services unit, through local lenders. The shopper picks SPayLater at payment and settles on a monthly bill, either as buy-now-pay-next-month or in instalments. In Malaysia, via Monee Capital Malaysia, one-month plans are fee-free, 3- to 12-month instalments cost up to 1.5% a month, and it also works in store and on other sites. In Indonesia it is lent by OJK-licensed PT Commerce Finance, and in Thailand by Monee (Capital) Co., Ltd. Monee's consumer and SME loan book reached US$9.2 billion at end-2025.
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