livi PayLater livi PayLater

livi PayLater

Split your purchase into flexible instalments at checkout, then repay on your own terms!

Terms and Conditions Apply.

Limited Time Offer

First 3 Month in Promotion Period

Online Cashback

A New Way to Spend

Apply for livi PayLater and its designated virtual debit Mastercard® to enjoy the following:

Spread Your Purchases

Control your finances with up to 50,000 HKD revolving credit.

Automatic Instalments

Pay with livi PayLater Mastercard to get instalments instantly on purchases meeting the minimum instalment amount.

Flexible Repayment Period

Select from 3 to 36 months via the app.

No Hidden Charges

Just one fee – as low as 2 HKD^ per month for every 1,000 HKD spent.

Worldwide Acceptance

Comes with a virtual debit Mastercard for in store (via Apple Pay or Google Pay) and online purchases.

livi PayLater 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)
(Includes 0.00 HKD Handling Fee)
Total Handling Fee (HKD)
View Full Repayment Plan
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.

livi PayLater Offers

Why livi PayLater?

livi PayLater
Other Bank Credit Cards
Application Approval Time

  As quick as 2 minutes

  Could take up to weeks

Automatic Instalments after Spending

Automatic Repayment


As low as


Monthly Handling Fee

(interest, up-front charge, handling fees, etc.)

How It Works

Apply for PayLater in 3 steps

Questions and Answers

livi PayLater is new way to pay brought to you by a spending instalment with a revolving line of credit. By using livi PayLater Mastercard, a transaction can be repaid in instalments for up to 36 months.

If the instalments are duly repaid, only a personalised monthly handling fee will be charged. Please refer to the Key Facts Statement and Fees & Charges for details.

You will need to accept the offer before using it. If you do not accept the offer within 30 days of receiving the approval, the application will be cancelled.