How To Pay SPayLater using GCash, ShopeePay or in Advance?

SPayLater is an online payment service that lets people buy things and pay for them later. So, users have more financial freedom and can spend over 12 months. The services offered by SPayLater are easy to use and give users peace of mind about their payments. Also, users only have to pay SPayLater’s processing fees.

This blog will discuss how you can use GCash and GCredit to pay for things you buy through SPayLater. But first, let’s talk about how to pay SPayLater ahead of time.

Can you pay SPayLater in advance?

Users can choose SPayLater to pay for items they buy later in monthly installments, for example, over two months. So, if you pay for your items over time, you can’t pay SPayLater in advance. Users can pay their bills the following month, though.

How To Pay SPayLater
How To Pay SPayLater

With SPayLater, only some people can pay for their orders in monthly installments. You must be eligible for SPayLater. The best candidate is at least 21 years old and has an ID card from the government.

How much a user can spend depends on how they’ve paid in the past. For example, if you waste money, you won’t be able to use pay later. SPayLater keeps track of how you spend your money. On the SPayLater home page, you can see how much you’ve finished and how much you can spend.

SPayLater adds a processing fee of 0% to 2% to the amount of your transaction. It also depends on how much you paid for the item. Also, SPayLater charges interest rates of 1% to 5% per month. Again, it varies based on how much the item costs.

Note: SPayLater charges fees on amounts that are still owed. So, the monthly interest rate is more than 2.5% to 5%.

Now, let’s look at how SPayLater works in total.

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How do I pay off SPayLater ultimately?

Customers can’t use SPayLater to pay in full if they choose to pay in monthly installments. But SPayLater lets people pay the bill the following month. So, if you bought something in April, you can pay the total amount in May. So, SPayLater will charge a fee to process the order and interest fees for the first month’s order. Let’s learn how to make a full payment to SPayLater.

Here are the steps you need to take to pay off the SPayLater amount next month.

  • Start the app SPayLater.
  • Move around the “Me” section of the tab.
  • Choose SPayLater.
  • Tap on Pay Now.
  • Click on “Next Bill” to see how much you owe.
  • Select “Pay First.”
  • Now, carefully choose a way to pay and click “Confirm.”

In the end, you could pay SPayLater full and clear all your debts. In the payment history, you can see and review all the transactions you’ve made with SPayLater. Don’t forget that you need to be careful with your money. Sometimes, SPayLater freezes the account of someone who spends money without thinking.

Let’s keep going and find out how to pay SPayLater with GCash.

How do I use GCash to pay SPayLater?

Post-pandemic situations accelerated digital payments. People prefer to buy things online and pay for them with e-wallets. But sometimes the item you want to buy might cost more than you have. So, you can use a platform that takes care of your payments. Because of this, you can pay for that platform in monthly installments. SPayLater is one of these kinds of sites.

You can buy things and pay for them easily and quickly with SPayLater. Users of SPayLater can now pay their bills with GCash, and you can delete your GCash transaction history. Let’s learn more about it.

Here are the steps you need to take to pay SPayLater with GCash:

  • Open the app Shopee. (It is easy to download on any device.)
  • Select the “Me” tab.
  • The screen will show a page. Click on “ShopeePay” when you find it.
  • Choose “Top Up.”
  • Also, put in the amount you want.
  • Now, choose how you want to pay and click “Payment.”
  • Tap “Payment Center” or “e-wallet option.”Last, choose GCash as your payment method and click “Confirm.”

You will be sent to the GCash page to confirm the payment when you use pay later. Enter the correct information, such as your email address and mobile phone number, and give an authentication code.

You were able to pay SPayLater for your monthly bills with GCash. Let’s find out how to pay the SPayLater bill with GCredit.

How do I use GCredit to pay?

People with good credit scores can get loan offers from credit. A person can borrow money from GCredit if they have a GCash account. Also, you can now use GCredit to pay for SPayLater.

Steps to pay with GCredit on SPayLater:

  • In the Shopee app, you can add items to your cart.
  • Click “Check Out,” then look over your order.
  • Click the “Payment options” button.
  • Select Payment Center/e-wallet.
  • Tap GCash as your method of payment.
  • Click on “Agree.”
  • Choose “Place Order”
  • You were sent to your GCash account by the app. Enter your email address and phone number.
  • Use a 6-code number to prove who you are.
  • Click “GCredit” where it says “Payment method.”
  • Give the GCash MPIN.
  • Click the “Pay” button next to GCredit.

If you carefully follow these steps, you will be able to pay SPayLater with GCredit.

How to use Shopeepay to pay SPayLater?

If you want to use Shopeepay to pay Spaylater, you can use this video as a guide. This page has a step-by-step guide.


SPayLater is a good option for people who want to buy things on shopee but pay for them later. It has different plans, so you can choose how much you pay each month for the things you buy. For instance, two months, three months, six months, or twelve months.

Because of this, a lot of shopee customers use SPayLater to buy things and pay for them later. You can even pay in full the month after you buy something. So, use SPayLater and shopping will be more fun.

Stay tuned to our website  for more updates,

Questions about SPayLater

Can a credit card be used to pay with SPayLater?

Customers can use a credit card to pay for SPayLater. Use the shopee app to buy things, then go to the checkout page. Choose to pay with a credit card, which is a safe way to pay.

If you don’t pay SPayLater, what will happen?

At SPayLater, customers have to pay off all the amounts over time. If you don’t clear the due, your shop account will be closed. Also, they can freeze your bank account if you owe a lot of money.

Can you pay your internet bill with SPayLater?

With SPayLater, you can use the shopee app to pay your internet bills. Use the app to find the SPayLater page and pay your internet bills.