EN

Important Notice

Starting from 26 September 2024, we will suspend our PayLater service. Current users won't be able to make new transactions, either via Spending Instalment or Instant Cash, from this date.

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.
Download App

Why livi PayLater?
livi PayLater
Other Instalment Products
Application Approval Time

  As quick as 2 minutes

  Could take up to weeks
Automatic Instalments after Spending

Automatic Repayment

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!

Questions and Answers

livi PayLater is a credit product which provides revolving loan facility.

livi does not accept new livi PayLater applications at the moment, and will suspend our livi PayLater service starting from 26 September 2024. Existing users won't be able to make new transactions, either via Spending Instalment or Instant Cash, from this date.

Read More FAQ

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!

Terms & Conditions

Conditions for livi PayLater


Additional Conditions for livi PayLater: Instant Cash


Key Facts Statement


Fees & Charges


Terms and Conditions – livi PayLater Early Settlement Fee Waiver Offer


Responsible Borrowing