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 at all. 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.
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$15 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.
Starting 1 April, admin fees incurred if you fail to make your payment in time will be SGD$15.
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 0.5% back in GrabRewards points for every PayLater transaction on Grab services and online 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
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 an Accredited BNPL Provider as defined under the Singapore BNPL Code of Conduct
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