As quick as 2 minutes
Could take up to weeks
Step 1
On the Overview screen, tap the livi PayLater banner.
Important Notice
The "livi PayLater Spending Instalment Handling Fee Waiver Offer" (Interest-free instalments with a 3-month tenor) ended on 31 March 2024. Terms & Conditions apply.
livi PayLater is a credit product. To borrow or not to borrow? Borrow only if you can repay!
livi PayLater
Spending Instalment - Split your purchases at checkout
Instant Cash - Cash out your credit limit within just one tap & repay on your own terms!
Terms and Conditions Apply.
A New Way to Spend and Get Instant Cash
Apply for livi PayLater and its designated virtual debit Mastercard® to enjoy the following:
Spend & Get Instant Cash, all in one go
One-time application and approval - Spend and Cash out with one revolving credit line.
Split Your Purchases
Pay with livi PayLater Mastercard to instantly split your purchases and repay in instalments that meet the minimum amount^^.
Cash Instalment
Get Instant Cash within your credit limit directly credited to your liviSave, with just one tap in-app - no proof required!
Flexible Repayment Period
Select from 3 to 60 months. Extra fees for early repayment are waived in promotion period.@@
livi PayLater Spending Instalment Calculator
Purchase Amount (HKD)
100
50,000
Repayment Period
12
Months
3
6
12
18
24
30
36
Monthly Handling Fee
0.20%#
(APR*
4.49%)
Monthly Repayment (HKD)
0.00
(Includes
0.00 HKD Handling Fee)
Total Handling Fee (HKD)
0.00
View Full Repayment Plan
Disclaimers:
The result from this calculator is for reference only. Promotional offers are excluded from calculation. The actual result is dependent on the customer’s loan amount, credit rating and other factors considered by livi.
Full Repayment Plan
Instalment
1-18
19-36
Monthly Repayment (HKD)
Monthly Handling Fee (HKD)
Why livi PayLater?
livi PayLater |
Other Instalment Products |
|
|---|---|---|
Application Approval Time |
|
|
Automatic Instalments after Spending |
|
|
Automatic Repayment |
|
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Instant Cash out |
Get Instant Cash within your credit limit directly credited to your liviSave |
Longer process for approval and loan disbursement |
livi PayLater is a credit product.
To borrow or not to borrow? Borrow only if you can repay!
How It Works
Step 1
On the Overview screen, tap the livi PayLater banner.
Step 2
Submit your application then accept the approved offer.
Step 2
Submit your application then accept the approved offer.
Step 3
Add to Apple Pay / Google Pay or go online to begin making purchases in instalments!
Step 3
Add to Apple Pay / Google Pay or go online to begin making purchases in instalments!
Method 1
Enter your card details at any online checkout or via Apple Pay or Google Pay.
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Method 1
Enter your card details at any online checkout or via Apple Pay or Google Pay.
Method 2
Add your card to Apple Pay / Google Pay for contactless payment in stores.
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Method 2
Add your card to Apple Pay / Google Pay for contactless payment in stores.
Step 1
Log in to livi app, tap "Instant Cash". (Upon successful livi PayLater application)^
Step 1
Log in to livi app, tap "Instant Cash". (Upon successful livi PayLater application)^
Step 2
Enter the instant cash amount and select repayment period, then tap "Apply Now".
Step 2
Enter the instant cash amount and select repayment period, then tap "Apply Now".
Step 3
Once successful, your Instant Cash will be credited to your liviSave account.
Step 3
Once successful, your Instant Cash will be credited to your liviSave account.
Questions and Answers
livi PayLater is a credit product which provides revolving loan facility, through which you could draw an instalment through spending with livi PayLater Mastercard, or drawdown a cash loan within your same PayLater facility limit to your liviSave and repay by instalments from 3 to 60 months.
Remarks
^Depending on the actual circumstances of individual applications, we may require you to provide additional documents for approval.
^^Minimum amount to set spending instalment is 100 HKD.
*The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
#The monthly handling fee of livi PayLater spending instalment is as low as 0.20%, calculated based on the transaction amount and is payable with each instalment payment. For example, a transaction amount of 1,200 HKD at 0.20% monthly handling fee would incur a monthly handling fee of 2.40 HKD (1,200 HKD x 0.20%).
@@After promotion period, all repayments are subject to an early settlement fee being 3% of the repaid principal amount.
livi PayLater is a credit product. To borrow or not to borrow? Borrow only if you can repay!