What happens if I never pay Shopee pay later?

Consequences of Non-Payment on Shopee PayLater

Shopee PayLater is a convenient payment option that allows users to make purchases on Shopee and pay later. However, it is crucial to adhere to the repayment schedule to avoid potential consequences.

Payment Due Dates

Shopee PayLater requires users to make full payment by the 1st, 10th, or 20th of each month, depending on the billing cycle. Failing to make the payment on time will result in several adverse consequences.

Suspension of PayLater and Shopee Account

Non-payment of Shopee PayLater may lead to the suspension of both your PayLater and your Shopee account. This means that you will be unable to access or make purchases on Shopee until the outstanding balance is cleared.

Late Payment Fees and Interest

Failure to make payments on time may also result in late payment fees and interest charges. These charges can accumulate over time, adding to your overall debt.

Impact on Credit Score

Shopee PayLater payments are reported to credit bureaus. Non-payment or late payments can negatively impact your credit score, making it more difficult to obtain loans or credit in the future.

Legal Action

In extreme cases, Shopee may take legal action against users who repeatedly fail to make payments. This could involve legal proceedings and collection efforts.

Avoiding Consequences

To avoid these consequences, it is essential to manage your Shopee PayLater usage responsibly. Set up payment reminders, track your expenses, and ensure that you have sufficient funds available to make payments on time.

If you find yourself unable to make payments, contact Shopee’s customer service team immediately to explore alternative payment arrangements. Failing to do so will only worsen the situation and lead to further consequences.