CIMB Malaysia CIMB Indonesia CIMB Thailand CIMB Cambodia CIMB Vietnam CIMB Philippines
  • CIMB Pulse
  • Banking With Us
  • Digital Services
  • Promotions
  • Help & Support
  • Quicklinks
CIMB Pulse
Banking With Us
Digital Services
Promotions
Help & Support
Quicklinks
Newsroom & Awards
Savings Strategies
Investing My Money
Travel Tips
Planning For My Future
Thinking About Insurance
Savings & Deposits
Cards
Loans & Financing
Investments
Insurance
Other Services
OCTO by CIMB Singapore
Payment & Transfers
Current Promotions
Events
FAQ
Rates & Charges
Download Center
Regulations & Policies
Security & Fraud

Big dreams shouldn’t come with big financial worries. With CIMB PayLater, you can get what you need today and pay at your own pace, with zero interest, and just a low, one-time processing fee that may apply.

 

Enjoy stress-free payments over 3, 6, 9, 12 and up to 36 months, so you can stay in control of your cash flow without compromise.

 

Features & Benefits

Interest-free Access Big Ticket Items Flexible Tenures
Interest-free
Access Big Ticket Items
Flexible Tenures

How it works?

4 easy steps to split any purchase into equal monthly instalments at our participating merchants.

 

 

Get extra cash at lowest interest rate of 3.5%³ p.a.

Exclusively for new to bank customers.

Find Out More
CIMB CashLite Promotion

Promotions

CIMB X SAMSUNG JULY '26 PROMOTION

Split your payments with CIMB PayLater and get S$80 Off!

Enjoy a S$100* cashback when you checkout with CIMB PayLater on the Samsung Online Store. First 100 customers only!

*For a min spend of S$1,000. T&Cs apply
S$80* cashback on your first CIMB PayLater transaction!

NEW USER PROMOTION

Enjoy S$20* off your first PayLater purchase!

*For a min spend of S$1,000. T&Cs apply
S$20* cashback on your first CIMB PayLater transaction!

Participating merchants

Here are some merchants that offer CIMB PayLater, allowing you to split your purchase into convenient instalments.

Aesthetics

 

 

Ceramique Clinic

 

Mendis Clinic

Automotive

iCar Motorwerkz

Electronics

 

Samsung

Education

CryptoKnight

Academy

 

Geniebook

Health & Wellness

 

Ashford Dental Clinic

 

Atos Wellness

 

Brightside Dental

 

Inner Harmony

 

Pain Relief Clinic

Lifestyle

JourneyEast

Onsmart Living

Wallec

Zero Healthcare

Eligibility

With CIMB PayLater, you’re in control. Split your purchases into easy instalments at 0% interest and customise your repayment tenure up to 18 months.

  • Citizenship: Singaporeans or Singapore PRs
  • Eligible age: 21 to 70 years old
  • Income: Minimum annual income of S$30,000

Fees & Charges

CIMB PayLater fees & charges

Terms & Conditions

CIMB may have right of review (RoR) clauses in the Terms & Conditions governing your product and/or service relationship with our Bank. Please refer to the Notification of Right of Review Clause for more information.

 

For all Terms & Conditions for the CIMB Personal Loan, you can learn more by clicking on the links below:

General Terms and Conditions governing Personal Loans

CIMB PayLater Product Terms

For Terms & Conditions For CIMB PayLater Promotions:

CIMB PayLater New User Promotion TNCs

CIMB PayLater New User Promotion - Eligible Partners

CIMB PayLater x Samsung Promotion TNCs (11 Mar - 30 Apr '26)

CIMB PayLater x Samsung July Promotion TNCs (22 Jul- 30 Sep '26)

CIMB PayLater x Geniebook Promotion TNCs (10 Aug - 30 Sep '26)

Frequently asked questions

Do I need to have a CIMB account to use CIMB PayLater?

No, you don’t need to be an existing CIMB customer. CIMB PayLater is open to all eligible applicants!

How do I make my monthly instalment payment?

All payments must be made to your CIMB PayLater repayment account.

 

Here are your options:

 

  1. Bank transfer: You can transfer the instalment amount via CIMB Mobile App or use FAST transfer through other banks’ internet banking platforms.

  2.  

    Cheque payment: You can make a payment via cheque to your CIMB PayLater repayment account. Ensure your repayment account has sufficient funds by the due date to avoid late fees.

     

  3. Standing instruction: Set up scheduled monthly payments to your CIMB PayLater repayment account* with a standing instruction^ through your preferred bank’s digital banking platform or by contacting your preferred bank directly.

 

* Your CIMB PayLater repayment account starts with 10xxxxxxxx.

^ If you are setting up a standing instruction, please check with your preferred bank on processing times and continue manual payments until it’s successfully established.

How do I request a refund for my product or service?

If you’d like to request a refund, please contact the seller or service provider directly. Refunds can only be processed if they are requested within two weeks from the purchase date.

What happens if I miss my payment due date?

If a payment isn’t made by the due date, a late fee of S$25 will be charged. To avoid additional charges, be sure to make all monthly payments (including any overdue amounts) by the specified due date.

  1.  

Can I repay my CIMB PayLater loan early?

Yes, you can. To request early repayment, please contact our call center or visit our branch to provide your instruction. We will then issue an early redemption statement, detailing your total outstanding balance (including any fees and charges) and the due date for full payment.

 

If the full outstanding balance is not paid on or before the due date, the early redemption request will be invalid, and your monthly instalments will continue as usual.

  1.  

For more questions about PayLater, please visit the detailed FAQ page here.

You are about to enter a third party website & CIMB Group's Privacy Policy will cease to apply.

This link is provided for your convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contents by CIMB Group.

 

CIMB Group makes no warranties as to the status of this link or information contained in the website you are about to access.

 

Do you wish to proceed?

Yes, please proceed