Cari dan bandingkan tarif di seluruh 600+ maskapai di Laters, kemudian bagi biaya penerbangan Anda menggunakan ShopeePayLater — layanan beli sekarang bayar nanti berbasis kredit yang tersedia di seluruh Asia Tenggara. E-tiket Anda diterbitkan setelah pembayaran disetujui, sehingga Anda dapat merencanakan perjalanan dengan percaya diri.
ShopeePayLater berfungsi untuk penerbangan apa pun yang dipesan melalui Laters — maskapai apa pun, rute apa pun, kelas tarif apa pun. Pilihnya saat checkout, dan e-tiket Anda diterbitkan setelah pembayaran selesai. Sebagai produk kredit, persetujuan tidak dijamin, dan bunga mungkin berlaku tergantung pada paket dan pasar Anda.
Most airlines never offer ShopeePay directly at their own booking desks, which is exactly why booking through Laters.com matters. American Airlines, Delta, and United in the US, and British Airways, Lufthansa, and Finnair across the UK, Germany and the Nordics, all sit outside ShopeePayLater's native checkout, along with Qantas in Australia. Book any of them through us instead: select ShopeePay at the Laters.com checkout, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
ShopeePayLater's deferred Pay Next Month option and its instalment plans running from three up to twelve payments are available across the Southeast Asian markets we support, subject to approval and open only to travellers aged 18 and over. That range covers a long-haul business fare and a short domestic hop alike, though some longer instalment tenures carry interest and availability varies by market, so it is worth checking the country grid below. Splitit is also accepted at our checkout, for anyone weighing up the two.
ShopeePayLater memungkinkan pelancong Asia Tenggara menunda tarif penerbangan ke bulan berikutnya atau membaginya menjadi ansuran selama beberapa periode. Kedua opsi adalah pengaturan kredit, jadi pemeriksaan kredit diperlukan dan bunga atau biaya mungkin berlaku tergantung pada paket dan pasar.
$500
Pembayaran tertunda jatuh tempo bulan berikutnya Pilihan pembayaran tunggal tertunda di bawah SPayLater.
Cicilan bulanan Ketersediaan jangka waktu cicilan berbeda-beda menurut pasar.
Cicilan bulanan Ketersediaan jangka waktu cicilan berbeda-beda menurut pasar.
Cicilan bulanan Jangka waktu yang lebih lama ditawarkan di beberapa pasar; bunga berlaku.
Hanya untuk ilustrasi. Angka-angka di atas dikira daripada harga tiket yang anda tetapkan: pembahagian mudah untuk pelan bebas faedah, dan kadar ilustratif pelan itu sendiri sepanjang tempoh yang dinyatakan untuk pembiayaan bulanan. Ia bukan tawaran, sebut harga, atau ramalan tentang apa yang akan anda terima. Laters.com bukan pemberi pinjaman dan tidak mengambil bahagian dalam keputusan: pelan mana yang muncul, jumlah ansuran, sebarang faedah dan yuran, dan sama ada anda layak sama sekali ditentukan oleh penyedia sahaja, dan bergantung pada penilaian kredit atau kelayakan, negara anda dan bakul anda. Satu-satunya cara untuk melihat pelan sebenar anda adalah memilih kaedah pembayaran ini semasa pembayaran, di mana penyedia, bukan Laters.com, meluluskan atau menolak pembelian. Semua pelan, kadar, yuran dan syarat adalah anggaran sahaja dan tertakluk kepada kelulusan dan perubahan.
ShopeePayLater tersedia untuk pemesanan penerbangan di seluruh Asia Tenggara, di mana Shopee memiliki layanan kredit berlisensi. Opsi paket dan biaya bervariasi menurut pasar — periksa grid per negara di bawah atau kunjungi situs web ShopeePayLater untuk syarat di wilayah Anda. Panduan ini menyenaraikan pelan ansuran di 5 pasaran. Panduan ini menyenaraikan pembayaran tertunda di 5 pasaran.
SPayLater dioperasikan melalui SeaMoney/entitas pembiayaan berlisensi lokal; bunga dan biaya berlaku untuk jangka waktu cicilan.
Pelan seperti yang diterbitkan oleh ShopeePay untuk Indonesia (ID), disahkan .
Ketersediaan tertakluk pada lisensi lokal; syarat berbeza-beza.
Pelan seperti yang diterbitkan oleh ShopeePay untuk Thailand (TH), disahkan .
Ketersediaan tertakluk pada lisensi lokal; syarat berbeza-beza.
Pelan seperti yang diterbitkan oleh ShopeePay untuk Vietnam (VN), disahkan .
Ketersediaan tertakluk pada lisensi lokal; syarat berbeza-beza.
Pelan seperti yang diterbitkan oleh ShopeePay untuk Malaysia (MY), disahkan .
Ketersediaan tertakluk pada lisensi lokal; syarat berbeza-beza.
Pelan seperti yang diterbitkan oleh ShopeePay untuk Filipina (PH), disahkan .
The short-term instalment plan most travellers will meet is labelled Pay Next Month across the region, though in every listed market it also appears alongside Pay in 3 and, in most, Pay in 6. Repayment comes as instalments taken at purchase and at fixed intervals afterward, with no interest owed when paid on time, though approval isn't guaranteed, a credit check applies, and longer plans such as Pay in 12 carry interest. Limits and rates differ by country and are shown by ShopeePayLater at checkout, so confirm the details there before you book.
Most airlines don't offer ShopeePay at their own checkout, and the ones that do each set their own rules. On Laters.com, ShopeePayLater is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
Whichever airline operates your flight and whichever ShopeePay plan gets approved, the booking is with Laters.com. That means one party handles the ticket, any change to it, and any refund, so you're not stuck chasing an airline and a lender separately when your plans shift, with the usual credit check and possible interest still applying to the plan itself.
| Apa yang anda dapat | Laters.com | Tempah terus dengan syarikat penerbangan |
|---|---|---|
| ShopeePay terbina dalam daftar keluar pada semua 650+ syarikat penerbangan | ✓ | Sangat sedikit |
| Pelan ShopeePay yang sama, syarikat penerbangan mana pun yang anda terbang | ✓ | ✕ |
| Bandingkan setiap syarikat penerbangan dalam satu carian, kemudian bayar dengan ShopeePay | ✓ | ✕ |
| Penyedia bayar-kemudian lain, stablecoin dan 100+ cara pembayaran lain di daftar keluar yang sama | ✓ | ✕ |
| Tiada caj tambahan dan tiada yuran tempahan untuk membayar dengan ShopeePay | ✓ | Berbeza-beza |
Penilaian editorial kami, daripada 10, untuk seberapa baik penyedia beli sekarang, bayar kemudian benar-benar berfungsi apabila anda membuat tempahan penerbangan.
Setiap penyedia di checkout kami dinilai dengan 4 ukuran yang sama, jadi anda dapat membandingkan mereka secara setara sebelum memilih cara pembayaran. Lihat semua skor penyedia terbang sekarang bayar kemudian →
This score is built from ShopeePay's published plan terms, country-by-country plan availability, and eligibility criteria for flight bookings, cross-checked against traveller feedback and our own research. No brand pays to be rated on Laters.com. Terakhir disemak September 2026.
Laters.com adalah pedagang untuk setiap tempahan di halaman ini: kami menjual tiket dan memperoleh pendapatan dari harga tiket, yang sama dengan pilihan kaedah pembayaran apa pun yang anda pilih. Tiada penyedia pembayaran membayar kami untuk penempatan, kedudukan atau Skor Pembayarannya, dan halaman ini tidak mengandungi pautan afiliasi.
Dibangun ke dalam ekosistem Shopee di lima pasar Asia Tenggara, SPayLater cocok untuk pengguna Shopee yang sering melakukan perjalanan dan ingin menyebarkan tarif penerbangan selama satu bulan hingga satu tahun penuh. Empat opsi pembayaran kembali dalam satu dompet adalah yang menonjol. Tangkapannya: bunga berlaku pada paket ansuran, tarif berbeda menurut negara, dan layanan hanya terbuka untuk pelancong yang sudah aktif di platform.
4 ukuran, dinilai dengan cara yang sama untuk setiap penyedia di checkout kami.
Repayment Flexibility8/10
Four shapes sit under SPayLater: Pay Next Month (deferred, 1 payment), Pay in 3, Pay in 6, and Pay in 12. All four appear only in Indonesia; Thailand matches that spread, but Vietnam, Malaysia and the Philippines stop at Pay in 6, so the 12-month tenure isn't universal.
Interest Rate8/10
Pay Next Month and the shorter instalment tenures carry no disclosed APR, while the note on Pay in 12 states interest applies on longer tenures. That split, cheap short plans, a priced long one, keeps this below a 9-10 band reserved for zero rate across the board.
Eligibility7/10
SPayLater reaches five markets in our records (ID, TH, VN, MY, PH) out of six countries listed overall, with Singapore absent from the availability table. Even within that five, only ID and TH get all four plans; VN, MY and PH lose Pay in 12.
Approval Process7/10
Every country note flags that installment tenures carry interest and fees, which points to a credit assessment rather than a pure checkout nod, and Indonesia's entry specifically ties SPayLater to a licensed financing entity. That regulatory layer is the deduction from a checkout-only decision.
This table prices one flight across ShopeePay's plans side by side. The fare itself doesn't change for paying this way; Laters.com adds no booking fee or surcharge for choosing SPayLater over a card. Plan mix and rates are set by country, and the fullest range shown here reflects markets like Indonesia and Thailand.
| Pelan | Perlu dibayar hari ini | Kemudian | Anda membayar dalam semua | Kos kredit |
|---|---|---|---|---|
| Bayar Bulan Depan | Tidak dinyatakan | Tidak dinyatakan | $1,000.00 | Tiada |
| Bayar dalam 3 | Tidak dinyatakan | Tidak dinyatakan | $1,000.00 | Tiada |
| Bayar dalam 6 | Tidak dinyatakan | Tidak dinyatakan | $1,000.00 | Tiada |
| Bayar dalam 12 | Tidak dinyatakan | Tidak dinyatakan | $1,000.00 | Tiada |
This worked example is an illustration, not a quote for your booking. What ShopeePay actually offers depends on your market and on approval at checkout. Every provider on Laters.com is costed against the same rows, so you can line them up fairly before you choose.
Jika ShopeePayLater tidak tersedia di negara Anda atau pada rute pilihan Anda, Laters.com mempunyai pelbagai penyedia BNPL lain supaya Anda masih boleh membahagikan kos penerbangan Anda.
Splitit works off the card you already have rather than a new credit line, though approval still depends on your card's available limit and issuer rules.
Coverage varies by market; check Laters.com for details.
Klarna offers shorter pay-in-4 splits alongside longer monthly financing plans, and some of those longer plans carry an APR plus a credit check on approval.
Coverage varies by market; check Laters.com for details.
Afterpay splits the fare into four payments, with eligibility and any late fees depending on your account history and on-time repayment.
Coverage varies by market; check Laters.com for details.
Atome is another Southeast Asia-rooted option, splitting the cost into instalments, with approval subject to a credit or affordability check.
Everywhere
Zip runs a instalment-based plan for purchases like flights, and approval is not guaranteed since a credit check applies before checkout.
Coverage varies by market; check Laters.com for details.
Tabby lets shoppers split a fare into instalments, though eligibility depends on a credit check and any missed payment can bring a fee.
Coverage varies by market; check Laters.com for details.
Semua yang perlu Anda ketahui tentang membayar penerbangan dengan ShopeePay di Laters.com.
Yes. Laters.com lets you check out with ShopeePay and choose from the Pay Next Month deferral or the Pay in 3, Pay in 6 or Pay in 12 instalment plans, depending on your country. This is a credit product, so a credit check applies and some tenures carry interest, so confirm current terms at shopee.co.id/m/shopeepaylater before you book.
All of them on Laters.com. ShopeePay sits at our checkout as a payment method, not something each individual airline switches on, so every flight we sell can be paid for this way, subject to approval and a credit check. The plan you're offered still depends on the country you're booking from.
No. Laters.com adds no payment surcharge and no booking fee for using ShopeePay, so the fare shown is the same as paying by card. That said, this remains a credit product: late payments attract a late fee, and longer tenures such as Pay in 12 are interest-bearing, so the total you repay can exceed the fare if you extend or miss payments.
The e-ticket is issued once ShopeePay approves your payment plan and the booking is confirmed at checkout. Approval depends on your credit assessment, so timing can vary between travellers. If ShopeePay declines the plan you selected, you'll need to choose a different payment method to complete the booking.
Yes. ShopeePay runs a credit check to assess your eligibility and set your available limit before approving any plan, including the Pay Next Month deferral and the longer instalment options. This is standard for a regulated credit product, and approval is never guaranteed, so a firm booking date should wait until your plan is confirmed.
A missed payment triggers a late fee on the outstanding balance, and the amount owed keeps accruing until it's settled. Missed payments may also be reported to credit reference agencies and can affect your credit standing, making future borrowing, including with ShopeePay, harder to get approved. If you think you'll miss a due date, contact ShopeePayLater directly through shopee.co.id/m/shopeepaylater as early as possible.
Indonesia, Thailand, Vietnam, Malaysia and the Philippines all currently support ShopeePayLater on Laters.com. Indonesia and Thailand offer the full set: Pay Next Month, Pay in 3, Pay in 6 and Pay in 12, while Vietnam, Malaysia and the Philippines currently stop at Pay in 6. Terms and availability change, so confirm the current picture for your market at shopee.co.id/m/shopeepaylater.
Pay in 12 is built for larger fares, spreading the cost across twelve monthly instalments rather than one lump sum. Longer tenures like this are interest-bearing and still require a credit check, so the total cost will run above the ticket price, and approval for a longer tenure isn't guaranteed. Where it's offered, it suits travellers who want a smaller monthly commitment on a big-ticket booking rather than fast payoff.
It can. Applying triggers a credit check, and how that check and your repayment behaviour affect your score depends on your credit provider and market, so there's no single answer that applies everywhere. Paying on time under any plan, from Pay Next Month through Pay in 12, is the way to avoid the late fee and the risk of a negative mark. For specifics on how SPayLater reporting works in your country, check shopee.co.id/m/shopeepay.
Refund handling depends on the airline's fare rules and how the refund is processed back through ShopeePayLater once the cancellation is confirmed. Outstanding instalments generally continue to be due on schedule until any refund is applied against your balance, so a cancelled trip doesn't automatically pause your payment plan. Check with ShopeePayLater directly at shopee.co.id/m/shopeepaylater on how a specific refund will be credited.
Yes. ShopeePayLater applies to the fare total rather than to the route, so a multi-stop or international itinerary is financed the same way as a single one-way ticket. What decides which plans you see, Pay Next Month, Pay in 3, Pay in 6 or Pay in 12, is the country you're booking from on Laters.com, not where the flights actually go.
Not automatically. Pay Next Month defers the fare to the following month with no split of the balance, but it's still a credit arrangement backed by a credit check, and missing the due date brings a late fee and possible reporting to credit reference agencies. The catch is discipline: it only stays cost-free if you repay in full on the date it's due, so treat it as a deadline rather than free money.
Loyalty accrual is set by the airline's fare and frequent flyer terms, not by the payment method you use at checkout. Because ShopeePayLater finances the fare rather than changing the ticket itself, miles and tier points generally follow whatever the fare class and airline programme would normally award. Check the specific fare conditions on Laters.com before booking if a mileage run is the point of the trip.
It can be used on premium cabin fares, since ShopeePayLater finances whatever total the booking comes to rather than restricting by cabin class. Higher fares mean a larger balance to repay, and approval for the plan you want, including longer instalment options like Pay in 6 or Pay in 12, still depends on your credit check and assessed limit. Confirm your available limit with ShopeePayLater before assuming a premium fare will be approved.
Yes, subject to the airline's own change and cancellation rules, which apply regardless of payment method. Any instalments already scheduled under your ShopeePayLater plan, whether Pay Next Month or a longer tenure, keep running on their original due dates unless the booking change and any resulting refund are processed back through ShopeePayLater. Contact ShopeePayLater at shopee.co.id/m/shopeepaylater to understand how a specific change affects your repayment schedule.
You'll need an active ShopeePayLater account, which is assessed through its own credit check before it can be used at checkout on Laters.com. If you don't already have one, you'd set it up directly through ShopeePayLater rather than through Laters.com, and approval for the plans, from Pay Next Month to Pay in 12, isn't guaranteed. Visit shopee.co.id/m/shopeepaylater for current sign-up requirements in your country.
ShopeePayLater — dikenali sebagai SPayLater — adalah perkhidmatan kredit beli sekarang bayar kemudian yang terbina dalam ekosistem Shopee, salah satu platform e-dagang terbesar Asia Tenggara. Dikendalikan dalam perkongsian dengan entiti pembiayaan berlesen di bawah payung SeaMoney, ia beroperasi di Indonesia, Thailand, Vietnam, Malaysia, dan Filipina, dengan syarat dan ketersediaan rancangan berbeza mengikut negara.
Di Laters, Anda boleh mencari dan membandingkan penerbangan, kemudian pilih ShopeePayLater semasa pembayaran. Bergantung pada negara Anda dan kelayakan, Anda mungkin boleh memilih pembayaran tunggal tertangguh yang perlu dibayar bulan depan, atau membahagikan kos merentasi 3, 6, atau 12 ansuran bulanan. Ini adalah produk kredit: kelulusan tidak dijamin, penilaian kredit dikenakan, dan faedah atau yuran mungkin dikenakan bergantung pada rancangan dan tempoh yang Anda pilih.
Rancangan ansuran yang lebih lama, seperti Bayar dalam 12, membawa faedah di beberapa pasaran. Menunda harga Anda hari ini bermakna baki penuh — ditambah sebarang caj yang berkenaan — tetap terhutang pada jadual tetap. Pinjam hanya apa yang boleh Anda bayar balik dengan selesa. Untuk kadar semasa, yuran, had kredit, dan kriteria kelayakan, lawati shopee.co.id/m/shopeepaylater.
On Laters.com, you search your route as normal, then choose ShopeePay at checkout and pick a plan before the e-ticket is issued once payment is approved. You may be shown a deferred single payment due the following month, or monthly instalment plans running three, six, or twelve months. Some of these carry no interest when paid on time, while others are interest-bearing, and all are subject to a credit check and approval, so what you are offered depends on your own credit profile.
Laters.com is the merchant of record for this booking and issues the ticket. ShopeePay is the payment method and credit provider, not the seller of the flight. Paying this way carries no payment surcharge and no booking fee, so the fare is the same as paying by card. You do not need a credit card to book when you choose ShopeePayLater. ShopeePayLater settles the fare with the airline on your behalf, and your repayments go to ShopeePay on the schedule you agreed, not to Laters.com.
Laters.com memperoleh pendapatan dari harga tiket sebagai pedagang, sama dengan pilihan kaedah pembayaran apa pun yang anda pilih; tiada penyedia pembayaran membayar untuk penempatan di halaman ini.
Tempahan penerbangan dan pelan bayaran balik berjalan mengikut jadual yang berbeza. Panduan kami menerangkan soalan praktikal yang perlu dipertimbangkan sebelum membahagikan harga tiket.
Meminjam dengan bertanggungjawab bermakna hanya berkomitmen pada ansuran yang benar-benar dapat anda bayar. Pembayaran yang terlewat boleh mengakibatkan yuran keterlambatan, boleh dilaporkan kepada agensi rujukan kredit, dan boleh mempengaruhi kedudukan kredit anda serta keupayaan anda untuk meminjam pada masa depan. Kunjungi syarat ShopeePay sendiri untuk syarat terkini, kriteria kelayakan dan ketersediaan rencana khusus negara. Laters.com adalah nama baru untuk Fly Fairly; tiada perubahan pada tempahan atau sokongan anda. Terakhir disemak oleh pasukan editorial Laters.com pada September 2026.
Ulasan sebenar daripada pelanggan sebenar yang menempah penerbangan dengan Laters.com.
ShopeePay penawaran penerbangan, promosi beli sekarang bayar kemudian dan penjualan kilat, terus ke kotak masuk anda.
