SPayLater has introduced a motorcycle financing feature that lets users fund their purchases through instalments.

The service, called SPayLater Motorcycle, is in a pilot phase and is planned to be available to all users by the first quarter of 2026.

SPayLater is a buy now, pay later (BNPL) service from Shopee that lets users make purchases and repay them over time through instalment plans.

The platform, which offers Shariah-compliant financing, said that after five years in the market it has seen a maturing user base and growing demand for accessible financing.

The new option provides up to RM20,000 in credit with repayment periods of up to 60 months.

Eligibility and credit limits are determined through eKYC verification and income document checks.

SPayLater Motorcycle gives users full vehicle ownership, flexible instalment options and, depending on documentation, the possibility of a zero downpayment.

The service is certified Shariah-compliant by Amanie Advisors and uses a fully digital application process.

These features are presented as an alternative to conventional loans, which often involve stricter requirements and less flexibility.

Once identity and income checks are completed, users can browse participating motorcycle brands and dealers in the app before visiting their chosen dealership to complete the purchase and select a payment plan.

SPayLater said more details will be released as the rollout continues.