Search flights on Laters.com, then split the fare with a ShopeePayLater plan at checkout.
Edited by Adinda Irawan
Yes, you can use ShopeePayLater to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com. ShopeePayLater is built into our checkout as a payment method, so you are not limited to carriers that offer it directly. Availability varies by market, and standard plans carry no upfront payment, though some longer tenures carry interest.
Most airlines never offer ShopeePayLater at their own checkout. Garuda Indonesia and Lion Air don't run it directly, and neither do AirAsia and Malaysia Airlines across the wider region, or Vietnam Airlines and Bangkok Airways closer to home. Book any of them through Laters.com instead and ShopeePayLater still works: select it at checkout, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
ShopeePayLater's plan family spans a next-month deferral and monthly instalment options running from three payments up to a longer twelve-month tenure, across the markets we support in Southeast Asia. That covers a long-haul business fare and a short domestic hop alike, though every application is subject to approval and open only to travellers aged 18 and over. Flexpay is also accepted at our checkout, if you want to compare the two.
ShopeePayLater gives you a few ways to break up a fare instead of paying it all at once. The cards below show this provider's plan shapes, priced in the currency you have selected, so set a flight budget first and compare what each plan asks of you: the amount due today, the payments that follow, and the total repayment. Whichever shape you land on at checkout reflects the real offer for your booking, and that offer comes with a credit check, with some plans carrying interest.
$500
Pay Next Month defers the whole fare to the following month with no split. It costs you nothing extra if you clear the balance on time, but a credit check applies and a late fee kicks in if the payment slips. Deferred single-payment option under SPayLater.
Pay in 3 spreads the fare across three monthly instalments. Stay on schedule and there is no added cost, but a credit check applies and missing a payment brings a late fee. Installment tenure availability varies by market.
Pay in 6 stretches the same fare over six monthly payments, which availability may narrow depending on your market. A credit check applies, and whether interest is charged depends on the terms ShopeePayLater sets for your approved plan. Installment tenure availability varies by market.
Pay in 12 is the longest stretch on offer and, unlike the shorter plans, some interest applies here regardless of how promptly you pay. A credit check applies, and where a rate is shown it is an illustration rather than a published figure, since ShopeePayLater sets the actual rate after reviewing your application. Longer tenures offered in some markets; interest applies.
ShopeePayLater runs under the SPayLater name across its Southeast Asian markets, so the labels on these cards are what you will see at checkout in each country. Whichever plan you choose, repayment goes to ShopeePayLater's local licensed entity, and your e-ticket is issued in full once the booking is approved.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
ShopeePayLater's flight checkout shows up across Southeast Asia, with Indonesia, Thailand, Vietnam, Malaysia and the Philippines among the markets travellers search most. That list isn't the whole footprint, so it's worth checking your own country in the grid below. Under the SPayLater name, the provider publishes a deferral that pushes the full fare to next month, short instalment plans that split it into a few payments, and longer monthly financing for bigger fares. Open your country in the grid for the exact product names, schedules and costs that apply there. This guide reflects what ShopeePayLater publishes per market. It doesn't confirm which of these products Laters.com can actually offer on a given booking, since checkout decides that at the time of booking. This guide lists instalment plans in 5 markets. This guide lists deferred payment in 5 markets.
SPayLater operated via SeaMoney/licensed local financing entity; interest and fees apply on installment tenures.
Plans as published by ShopeePayLater for Indonesia (ID), verified .
Availability subject to local licensing; terms vary.
Plans as published by ShopeePayLater for Thailand (TH), verified .
Availability subject to local licensing; terms vary.
Plans as published by ShopeePayLater for Vietnam (VN), verified .
Availability subject to local licensing; terms vary.
Plans as published by ShopeePayLater for Malaysia (MY), verified .
Availability subject to local licensing; terms vary.
Plans as published by ShopeePayLater for Philippines (PH), verified .
Across the region, the deferral to next month is the most common short-term option, published under that name in every market in this grid. Instalment plans splitting the fare into a few payments sit alongside it in most of these countries, though tenure availability varies by market. Where offered, instalments are taken at purchase and at fixed intervals afterward, interest-free when paid on time, though approval isn't guaranteed and longer monthly plans carry interest. Limits and rates differ by country and are shown by ShopeePayLater at checkout, so confirm the specifics there before you book.
Here you compare flights across every airline we sell, then choose a ShopeePayLater plan at the Laters.com checkout. You pick the flight first, then the payment at that same checkout, and any instalments left owing continue on the schedule you agreed.
Whichever airline operates your flight and whichever ShopeePayLater plan gets approved, Laters.com is the merchant behind the ticket. That means one place handles the booking, any change to it, and any refund, so you are not stuck between airline and lender when something needs sorting. Remember this is credit: a check applies, and instalments left on the schedule are still owed.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| ShopeePayLater built into checkout on all 650+ airlines | ✓ | Very few |
| The same ShopeePayLater plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with ShopeePayLater | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with ShopeePayLater | ✓ | Varies |
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
Each of the four criteria is scored out of 10 against ShopeePayLater's published plan terms, published rates and eligibility criteria for flight bookings. The headline is the unweighted average of those four scores, rounded to one decimal, and no brand pays to be rated. Last reviewed September 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
SPayLater defers a fare to next month or splits it into 3, 6 or 12 monthly instalments, with 0% standard on the shortest plans. Indonesia gets the full four-plan spread; Vietnam, Malaysia and the Philippines stop at Pay in 6. A credit check applies, and late payments add 1.5% a month.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Four plan shapes: Pay Next Month, Pay in 3, Pay in 6, Pay in 12. Indonesia gets all four; Vietnam, Malaysia and the Philippines stop at Pay in 6, so the full spread isn't universal.
Interest Rate8/10
Pay Next Month and Pay in 3 carry 0% under SPayLater's standard terms. Pay in 6 and especially Pay in 12 bring interest, and a 1.5% monthly late fee applies if a payment slips.
Eligibility7/10
Live in 5 of the supplied markets (ID, TH, VN, MY, PH), all under local licensing. Vietnam, Malaysia and the Philippines see only 3 of the 4 plans, so coverage narrows outside Indonesia and Thailand.
Approval Process7/10
SPayLater runs a credit check to set eligibility and limit before checkout. That check is a real step between choosing the plan and getting ticketed, not a same-checkout formality.
This table prices one fare across ShopeePayLater's plans available in Indonesia, where Pay Next Month, Pay in 3, Pay in 6 and Pay in 12 all show up. The fare itself does not move, since we add no booking fee for paying this way.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay Next Month | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 3 | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 6 | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 12 | Not specified | Not specified | $1,000.00 | Nothing |
This worked example illustrates one fare on standard rows, not a quote. What ShopeePayLater offers depends on your market and approval, and every provider here is costed the same way for fair comparison.
Typing "airlines that accept ShopeePayLater" into a search bar, and here is the answer: every airline on Laters.com can be paid for with ShopeePayLater, right here, no exceptions by carrier. That holds on any route and any fare class, from short-haul low-cost hops to long-haul business class, subject always to ShopeePayLater's own limits and its eligibility check. Which plan gets offered depends on the country a traveller books from, not the airline they fly, so scroll down to the country section for what ShopeePayLater actually publishes where you are. Below, full-service carriers sell fares with the checked bag, seat selection, meals and frequent-flyer earning already built in, exactly as the airline prices them, while low-cost airlines add those extras à la carte at checkout, with ShopeePayLater splitting whatever the basket totals either way. Paying this way changes none of it. The traveller flies as the airline's own passenger, fare, baggage allowance and miles untouched, and simply splits the cost.
Singapore Airlines flies you as its own full-service passenger, with checked bags, seat choice and meals included as the airline sells them, plus miles as normal.
Philippine Airlines is a full-service carrier, so the fare already covers baggage, seat selection and meals, with mileage earning unaffected by splitting the cost.
Malaysia Airlines sells its long-haul fares with baggage, seating and meals built in, a shape that suits longer monthly financing more than a short deferral.
Batik Air Malaysia is a full-service carrier, so checked bags, seat selection and meals come as the airline includes them, with miles earning as normal.
Cathay Pacific runs full-service long-haul flying, with baggage, seating and meals part of the fare, a shape that tends to suit longer monthly financing.
Lufthansa is a full-service network carrier, so the fare already bundles baggage, seat choice and meals, well suited to longer monthly financing on longer routes.
Air New Zealand includes baggage, seat selection and meals in its full-service fares, with frequent-flyer miles accruing exactly as on any other ticket.
Etihad Airways is a full-service long-haul carrier, its fares built with baggage, seating and meals included, a shape that fits longer monthly financing well.
Both ShopeePayLater and Flexpay sit at the Laters.com checkout, so you're not choosing between something you can book with here and something you'd have to go find elsewhere. ShopeePayLater publishes up to four plan types, from a next-month deferral to a 12-month instalment tenure, with its strongest footing in Indonesia, Thailand, Vietnam, Malaysia and the Philippines. Flexpay is built around a pay-in-4 product, and you can compare Flexpay for flights on Laters.com before you decide which shape suits your fare. If ShopeePayLater isn't available where you are, these are the other providers that can spread the cost of your flight.
Flexpay splits the fare into four instalments, and approval is subject to a credit check. Missing a scheduled payment can bring fees, so it pays to keep the schedule in view before booking.
Coverage varies by market
Klarna offers several ways to spread a flight cost, from deferred payment to multi-instalment plans, and some of these carry an APR alongside a credit check. Late or missed payments can trigger further charges.
Coverage varies by market
Afterpay splits a booking into instalments and runs an eligibility check before approving you. A missed instalment can lead to a late fee, so it works best when the repayment dates suit your cash flow.
Coverage varies by market
Atome lets you divide a flight's cost into instalments, subject to an approval check at checkout. Fees can apply if a payment is missed, so it's worth confirming the schedule before you commit.
Coverage varies by market
Zip spreads a fare over a series of payments and requires a credit check as part of approval. Some Zip plans carry interest or fees, so it's worth reading the terms before booking.
Coverage varies by market
Tabby splits the cost of a flight into instalments and bases approval on a credit assessment. A missed payment can bring a fee, so it suits travellers confident in the repayment dates.
Coverage varies by market
Everything you need to know about paying for flights with ShopeePayLater on Laters.com.
Yes. Laters.com accepts ShopeePayLater at checkout, and eligible travellers can choose between the Pay Next Month option, which defers the fare to the following month, or instalment plans such as Pay in 3, Pay in 6, or Pay in 12, where offered. Which plans appear depends on the country you book from and your approval, since ShopeePayLater is a credit product and a credit check applies. Confirm current plan terms at shopee.co.id/m/shopeepaylater before booking.
All of them on Laters.com. ShopeePayLater is a payment method at our checkout rather than a setting each airline turns on individually, so any flight you find and book through Laters.com can be paid this way if you're approved. The plan you're offered still depends on your country and credit assessment. No airline blocks ShopeePayLater specifically, but approval and plan availability are never guaranteed.
No. Laters.com adds no payment surcharge and no booking fee for using ShopeePayLater, so the flight fare is identical to paying by card. That said, ShopeePayLater is still a credit product: the Pay Next Month option defers a single payment, while longer instalment plans like Pay in 12 can carry interest, and a missed payment triggers a late fee. Check the specific plan terms shown at checkout before confirming.
Your e-ticket is issued once ShopeePayLater approves your payment and the booking is confirmed with the airline. Approval speed depends on your credit assessment and the plan chosen, whether that's Pay Next Month or one of the monthly instalment plans. If approval is delayed or declined, the booking won't be confirmed, so it's worth having a backup payment method ready. Laters.com sends confirmation as soon as the airline reservation is locked in.
ShopeePayLater runs a credit check as part of approving you for any plan, including Pay Next Month and the longer instalment options like Pay in 6 or Pay in 12. This assessment looks at your credit history and financial profile, and it means approval is never guaranteed. A credit check can also leave a record with credit reference agencies depending on the market. For the exact type of check used in your country, see shopee.co.id/m/shopeepaylater.
Missing a payment triggers a late fee on the outstanding balance, whether you're on the Pay Next Month deferral or an instalment plan like Pay in 3 or Pay in 12. Missed payments may also be reported to credit reference agencies in your market, which can affect your credit standing and your ability to get approved for credit later. This applies regardless of which country you booked from. Always check the repayment schedule shown at checkout so due dates don't catch you out.
ShopeePayLater is available on Laters.com for travellers booking from Indonesia, Thailand, Vietnam, Malaysia, and the Philippines. Indonesia and Thailand get the full range, Pay Next Month plus Pay in 3, Pay in 6, and Pay in 12, while Vietnam, Malaysia, and the Philippines currently offer Pay Next Month, Pay in 3, and Pay in 6 without the 12-month option. Plan availability and terms vary by market and licensing, and a credit check applies wherever you book. Confirm your country's current terms at shopee.co.id/m/shopeepaylater.
For a costly long-haul fare, a longer instalment plan such as Pay in 12 spreads the cost across monthly payments rather than one lump sum, which suits a bigger ticket price better than the Pay Next Month deferral. Pay in 12 is offered in select markets and typically carries interest, unlike the shorter plans. A credit check applies, and approval for a longer tenure depends on your credit profile and the fare amount. Compare what's offered in your country at shopee.co.id/m/shopeepaylater before choosing.
It can. Because ShopeePayLater involves a credit check and a repayment obligation, whether you're on Pay Next Month or a longer instalment plan like Pay in 6, how you manage it can influence your credit record. Paying on schedule generally has no negative effect, but a missed payment can be reported to credit reference agencies and damage your credit standing. Not when you pay on time, in other words, but the risk is real if you fall behind.
It depends on the airline's fare rules and how far along your repayment schedule is when the refund is processed. If the airline refunds the fare, that amount is generally applied back against your outstanding ShopeePayLater balance, whether you're on Pay Next Month or an instalment plan such as Pay in 3. Any payments already made are typically returned according to the refund policy, though timing varies by market. Check shopee.co.id/m/shopeepaylater and your booking confirmation for how refunds are applied to your specific plan.
Yes. ShopeePayLater applies to the total fare you're charged rather than to the route or number of stops, so a multi-stop or international itinerary is financed the same way as a single direct flight. 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 flight itself goes. A credit check still applies before approval. Confirm your country's plan lineup at shopee.co.id/m/shopeepaylater.
Not automatically. The Pay Next Month option defers the fare to the following month as a single payment, and it's positioned as ShopeePayLater's standard deferral, but it's still a credit arrangement with a credit check attached. The catch shows up if you miss the due date: a late fee applies to the outstanding balance, and missed payments can be reported to credit reference agencies. Paying the full deferred amount on time is what keeps this option free of extra charges.
Generally yes, since ShopeePayLater is tied to a Shopee account and requires a credit check and approval before it can be used at any checkout, including Laters.com. If you don't already have an account, you'll need to set one up and go through ShopeePayLater's eligibility assessment first. Approval isn't guaranteed and depends on your credit profile. For the current sign-up and eligibility process, check shopee.co.id/m/shopeepaylater.
Repayments are tracked through your ShopeePayLater account, which shows your schedule whether you chose Pay Next Month or a monthly instalment plan like Pay in 3, Pay in 6, or Pay in 12. It's on you to check due dates there, since Laters.com processes the booking but the repayment plan itself sits with ShopeePayLater. Missing a tracked due date brings a late fee and possible reporting to credit reference agencies. Visit shopee.co.id/m/shopeepaylater to review your account's repayment tools.
Yes. Laters.com charges the same fare through ShopeePayLater as it does for card payments, so promotional and sale prices from the airline carry over regardless of payment method. What changes is how you pay it off, not the price itself, and a plan like Pay in 6 or Pay in 12 may add interest on top of that fare. A credit check applies before approval either way. The advertised sale price is what you finance, not a marked-up version of it.
ShopeePayLater is a buy now, pay later service built into the Shopee app and now used across Southeast Asia to book flights as well as everyday shopping. It began as SPayLater, a checkout option inside Shopee's marketplace, and has grown into a way for travellers in the region to defer a fare or split it into instalments without paying the full amount upfront. Flights sit alongside electronics and groceries as one more thing you can charge to the plan and pay off over time.
The service traces back to Shopee, founded in 2015 in Singapore under Sea Limited, with SPayLater launched later as the group pushed into consumer financing. ShopeePayLater operates through licensed local entities, including oversight from Indonesia's OJK and Singapore's MAS, and it sits inside Sea Limited, a publicly listed company rather than a private lender. Sea's broader business, spanning gaming and e-commerce, has had its own swings, including sharp share price drops and cost-cutting rounds in past years, even as its financial services arm expanded into new markets. For current terms, eligibility, and country coverage, check ShopeePayLater's own site rather than relying on this page alone. Only borrow what you're confident you can repay on schedule, wherever you live.
Booking works the same way as any other fare on Laters.com. Search your route, choose ShopeePayLater at checkout, and pick a plan: Pay Next Month defers the full fare to the following month, while Pay in 3, Pay in 6, and Pay in 12 split it into monthly instalments. The e-ticket is issued once payment is approved. Standard tenures are typically offered without interest when paid on time, but longer instalment plans can carry interest, and all plans are subject to a credit check and approval.
Laters.com is the merchant of record for your booking and issues the ticket, while ShopeePayLater 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 matches what you'd pay by card. You don't need a credit card to book when you choose ShopeePayLater, since it settles the fare with the airline directly, and your repayments go to ShopeePayLater rather than to Laters.com.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Visit ShopeePayLater’s own terms for current terms, eligibility criteria and country-specific plan availability. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.
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Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
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