Shop smarter with Kale PayLater.

  • 24-month instalments

    Shop now, pay later in up to 24-month instalments.

    Interest rate ranges from 1% to 2% per month; refer PayLater App for more information.

  • Flexible payment options

    Pay however you want. Credit or debit card, FPX payment, direct debit.

  • Higher shopping limit

    For when you want the better things in life, PayLater offer a higher shopping limit with flexible instalments plan.

Step 1 – Download

Download "PAYLATER MALAYSIA" on the App Store and create your profile.

Step 2 – Visit

Visit your nearest Urban Republic outlet and start shopping.

Find your nearest outlet here

Step 3 – Shopping

Instant approval! Pay your first instalment at checkout using the app.

Extended Instalment Options

How it works?

  • RM999.99 and below (up to 6 months instalments)
  • RM1000.00 and above (up to 12 months instalments)
  • RM2500.00 and above (up to 18 months instalments)
  • RM5000.00 and above (up to 24 months instalments)

Frequently Asked Questions

How can I qualify for PAYLATER?

  • Malaysian Citizen with a valid Malaysia NRIC
  • Above 18 years old
  • Have a valid email address and mobile number
  • Have a valid residential address
  • Have a valid Bank Account / Debit Card / Credit Card

What is my ‘Shopping Limit’?

Your Shopping Limit is the available shopping amount you can spend with PAYLATER Malaysia partnered Merchants. Your instalments will be deductible monthly from the date of purchase.

Can I purchase with a debit card?

Yes, you can! Both debit and credit cards are accepted for ‘Buy Now Pay Later’ payment option.

What is the billing cycle like?

Your billing cycle will be monthly.

What are my payment options for instalment?

You may choose either auto debit on your card, or FPX manual transfer to PAYLATER Malaysia via ‘PAYLATER MALAYSIA’ app.

Can I seek refund(s)?

You may opt-in for a refund only if you do so within the same day. No refunds will be entertained 1 (ONE) working day from your purchase using ‘Buy Now, Pay Later’ option.

Can I apply for more than 1 (ONE) purchase at Urban Republic at a time?

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases.

Are there late payment charges?

Before you miss a payment, the system will notify your repayment is about to due.

Not to worry at all, these things do happen. If you miss a repayment, we will notify you via SMS, system notification and email. You can repay as soon as possible.

Please take note that missed repayment will incur late penalty fee.