Pay Later from OctiFi

What is Pay Later from OctiFi?
Pay Later allows you to split up your purchase into 3 interest free instalment payments with our participating merchants.  You have the option to pay for yo...
Fri, 26 Jun, 2020 at 10:59 PM
How does Pay Later work?
When using Pay Later in 3 instalments, the first payment is charged when the merchant confirms your order, the next 2 payments are automatically charged eve...
Fri, 26 Jun, 2020 at 11:02 PM
I'm a first time Pay Later user. Any requirements?
When using Pay Later in 3 instalments, you must: be a Singaporean Citizen, Permanent Resident, EP or S Pass holders; be at least 18 years old; have...
Sun, 30 May, 2021 at 10:55 AM
How much am I eligible to spend?
To ensure responsible spending practices, each Pay Later purchase is evaluated by our system for approval.  This takes into account many different factors, ...
Fri, 26 Jun, 2020 at 11:04 PM
Which payment methods are accepted by Pay Later?
All valid credit and debit cards issued in Singapore that are not scheduled to expire in the near future are accepted.  We do not accept prepaid cards.
Thu, 6 Feb, 2020 at 10:22 PM
Is there a cost to Pay Later in 3 interest free instalments?
There are no interest charges with Pay Later in 3 instalments, and no fees when you follow your automatic payment schedule.  However the issuer of your card...
Wed, 1 Jul, 2020 at 11:28 AM
I was denied for Pay in 3 Instalments. Why?
We take each Pay Later approval decision seriously and strive to ensure our customers maintain responsible spending behaviour.  A number of factors go into ...
Fri, 26 Jun, 2020 at 11:15 PM
Is Pay Later different from credit?
Pay Later in 3 interest-free instalments is an alternative to traditional credit and does not constitute a lending facility.  This means no interest, meanin...
Fri, 26 Jun, 2020 at 11:16 PM
What do I do if automated payment fails?
If your automatic payment fails, you can pay the remaining balance directly in the OctiFi app or via our Consumer Portal.
Fri, 26 Jun, 2020 at 11:23 PM
I can't handle repayments due to financial difficulties. What can I do?
If you get into trouble, please reach out to our customer service team and they’ll be happy to look into the options we have available.  You can contact cus...
Thu, 6 Feb, 2020 at 11:38 PM