SPayLater Calculator
Estimate processing fees, total payable, and monthly repayment for SPayLater installments. Toggle Special Programme rates for participating sellers.
Calculate installment
Enter the item price and tenure to estimate SPayLater fees and monthly repayment.
3-month plans show 0% processing fee on Shopee marketplace checkout. Other platforms (e.g. ShopeePay app) may charge 1.5%/month.
0% fee on 6-month plans at participating sellers. Reduced fees may apply on 12-month plans.
Good to know
Processing fee depends on the tenure you pick (e.g. 1 month is 0%, while longer tenures may be charged monthly). For 3-month plans, Shopee marketplace checkout is typically 0%, but other platforms may charge 1.5%/month. Special Programme sellers may offer reduced rates (e.g. 0% up to 6 months, and 0.75% per month for 12 months).Sources: Shopee Help Center (fees), Shopee Seller Education (Special Programme).Late payment fee is RM10 and your account may be frozen until paid.18- and 24-month tenures, and 12-month Special Programme rates, may roll out in phases and may not be available to all users or sellers.Estimates only. Not affiliated with Shopee or SPayLater. Verify final amounts in the Shopee app before checkout.