Key Takeaways
- Grab PayLater is a BNPL service by Grab that lets you split payments into 4, 8, or 12 monthly instalments with no interest charges.
- You can use Grab PayLater for Grab services, online shopping, and selected offline merchants.
- As an accredited BNPL provider in Singapore, Grab is subject to the BNPL guidelines designed to protect consumers.
- Longer instalment plans incur processing fees, and late payments come with a S$15 admin fee.
After a brief period of industry consolidation, Buy Now, Pay Later (BNPL) services, such as Grab PayLater, are experiencing a comeback, especially as consumers seek flexible ways to manage cash flow.
Indeed, BNPL usage has also expanded beyond big-ticket purchases such as electronics, appliances and furniture. Consumers can now use BNPL for both discretionary retail and everyday spending, including food delivery, rides, and travel bookings. This shift has made instalment payments a common feature of daily life rather than a niche financing tool.
One prominent BNPL provider in Singapore is Grab, through its Grab PayLater service. Integrated directly within the Grab app, Grab PayLater allows users to spread payments across multiple months while continuing to earn Grab rewards.
In this guide, we’ll cover everything you need to know about Grab PayLater, including how it works, its fees, eligibility requirements, and how it compares with other BNPL services like Atome and Shopee PayLater.
What Is Grab PayLater?
Grab PayLater is a BNPL service that allows you to split eligible purchases into 4-, 8-, or 12-month instalments. Unlike credit cards, Grab PayLater does not charge interest on instalments. There are also no early repayment fees, giving users greater flexibility in managing their repayments.
Grab PayLater is also one of Singapore’s four accredited BNPL providers and is fully BNPL-compliant. This means it must adhere to industry guidelines designed to protect consumers from overspending.
As part of the BNPL Code of Conduct, Grab PayLater must:
- Clearly disclose all fees upfront
- Avoid misleading or aggressive marketing
- Conduct affordability checks and spending limit controls
- Provide reminders and fair treatment for late payments
Grab PayLater Overview
| Feature | Details |
| Service and usage | Grab app, Grab services, selected online and offline merchants |
| Eligibility | At least 18 years old with a fully verified Grab account. You must also be an existing Grab user for at least 6 months with the latest version of the Grab app installed |
| Tenures | 4, 8, or 12 months |
| Processing fees | No fees for 4-month instalments, 0.75% fee of the total transaction amount per instalment for 8- and 12-month instalments |
| Admin fee | S$15 for each missed payment |
| Rewards | 0.5% GrabCoins for every Grab PayLater transaction on Grab services and online transactions |
| Spending limit | Assigned by Grab based on your user profile, spending habits, and payment history |
| Key consumer safeguard | Temporary account suspension for missed payment |
Grab PayLater Fees and Charges
Grab PayLater charges a processing fee for 8- and 12-month instalment plans, as well as an admin fee for late payments.
| Payment type | Applicable payment plan | Fee amount |
| Standard payment options | PayLater Postpaid, Pay-in-4 monthly instalments | No fees |
| Extended instalment plans | Pay-in-8 and Pay-in-12 monthly instalments | 0.75% of the total transaction amount per instalment |
In addition, there’s also an admin fee of S$15 for each missed payment:
- Pay-in-4: Capped at S$45
- Pay-in-8: Capped at S$105
- Pay-in-12: Capped at S$165
You can avoid the admin charges simply by making payments on time.
Grab PayLater Eligibility
To qualify for Grab PayLater, you must meet the following criteria:
- Have a fully verified Grab account
- Be an active Grab user for at least 6 months
- Be at least 18 years old
- Be using the latest version of the Grab app
How Can I Activate Grab PayLater?
To activate Grab PayLater, you must have a fully verified Grab account and meet the eligibility requirements (see above).
You can activate Grab PayLater via the Grab app in two ways:
Via the Grab app
- Launch the Grab app
- Go to the Finance tab
- Tap on PayLater and follow the prompts
At merchant checkout
- Select PayLater Postpaid or PayLater Instalments under payment methods
- Follow the on-screen instructions to activate and complete your purchase
How to Use Grab PayLater?
Using Grab PayLater is quick and straightforward once it’s activated in your Grab app.
- Activate Grab PayLater. Enable PayLater in the Grab app under the Finance tab (see the activation steps above)
- For in-store purchases, select “Scan to Pay” and choose your preferred instalment plan at checkout
- For online purchases, select Grab PayLater as your payment method and confirm your transaction
- Enjoy Your Purchase
Grab will notify you when your bill is due, and repayments will be automatically deducted from your GrabPay Wallet, or your linked card if the balance is insufficient.
Grab PayLater Merchant List – Best Places to Use Grab PayLater
Grab PayLater is accepted at a wide range of merchants, including but not limited to:
- SHEIN
- SK Jewellery
- Harvey Norman
- Gain City
- TikTok Shop
- Klook
- Zalora
- iStudio
- Sony
- Best Denki
- Samsung
- Secret Lab
- PRISM+
- Charles & Keith
- True Fitness
- Robinsons
- BHG Singapore
- Hipvan
You can also use Grab PayLater on Amazon.sg and Carousell (selected Buyer Protection and Certified listings).
To view the full list of merchants, open the Grab app > Shopping.
What Are the Pros and Cons of Grab PayLater?
Pros of Grab PayLater
- Split payments into 4-, 8-, or 12-month instalments
- Interest-free
- Available across Grab services, online and offline shopping
- Earn up to 0.5% GrabCoins on Grab services and online transactions
- Automatic repayments via GrabPay balance or linked debit/credit card
Cons of Grab PayLater
- S$15 admin fee for each missed payment
- 0.75% processing fee for 8- and 12-month instalment plans
Grab PayLater vs Atome vs Shopee PayLater (SPayLater)
| Grab PayLater | Atome | SPayLater | |
| Where you can use it | Grab services (rides, food, deliveries), partner merchants in-store and online | Online and offline partner merchants | Shopee platform and in-store at selected ShopeePay merchants |
| Available tenures | 4, 8, or 12 months | 3, 6, 9, or 12 months | 1, 3, 6, 12, 18, or 24 months |
| Processing fees/ interest | Pay-in-4: No fees
Pay-in-8 and Pay-in-12: 0.75% per instalment |
Pay-in-3: No fees
Pay-in-6: One-time processing fee of 3% Pay-in-9 and Pay-in-12: 0.75% processing fee per month of total purchase value |
Pay-in-1 and Pay-in-3: No interest
Pay-in-6 and Pay-in-12: 0.5% interest per month (SPayLater sellers), 1% interest per month (non-participating SPayLater sellers) Pay-in-18 and Pay-in-24: 1% interest per month (SPayLater and non-SPayLater sellers) *Note: Introduced on 8 Dec 2025 and rolled out progressively, Pay-in-18 and Pay-in-24 are longer instalment tenures for shoppers seeking a longer repayment period. They may not be immediately available for some sellers. |
| Admin/late payment fee | S$15 fee per missed payment
PayLater Admin Fee Cap: S$45 (Pay-in-4); S$105 (Pay-in-8); S$165 (Pay-in12) |
S$15 fee per missed payment (amounts under S$1,000), S$30 per missed payment (amounts above S$1,000) | S$5 late payment fee per overdue bill |
| Rewards programme | 0.5% GrabCoins when paying with Grab PayLater at partner merchants | 1 Atome+ point per S$2 spent on Atome) | 0.5% Shopee Coins cashback when paying SPayLater bills |
| Spending limit | Assigned based on your user profile; typically capped at S$2,000 in line with BNPL code of conduct | Up to S$3,000 (credit card users) or S$1,000 (debit card users) | Determined by Shopee based on your user profile and spending behaviour |
Grab PayLater Promo
Looking for savings? Visit the Grab PayLater deals page for the latest Grab PayLater offers and promotions, updated regularly.
Who Should Use Grab PayLater?
Grab PayLater is best suited for users who want short-term payment flexibility for everyday spending, especially frequent Grab users who value convenience and rewards. While it offers interest-free instalments, fees can add up if payments are missed or if longer instalment plans are chosen.
As with all BNPL services, it’s important to use Grab PayLater responsibly and avoid overcommitting beyond your repayment ability.
If you’re shouldering multiple unsecured or high-interest debts, alternatives such as a Debt Consolidation Plan may be more appropriate. You can also explore other financing options by checking out our reviews of CIMB Personal Loan, GXS FlexiLoan, Trust Instant Loan, and DBS Personal Loan.
Compare personal loan options and apply for a loan on Personal Loan Finder to find a financing solution that fits your needs.
