Kale PayLater

Shop smarter with Kale PayLater.

  • 4 ZERO-FEE instalments

    Shop now, pay later in 4 ZERO-FEE instalments.

  • Flexible payment options

    Pay however you want. Credit or debit card.

  • No hidden fees

    Only pay for what you purchase.

  • Instant shopping limit

    Up to RM8,000.

How to use Kale PayLater

Kickoff your best shopping experience.

  • STEP 1

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

  • STEP 2

    Visit your nearest Switch outlet and start shopping.

  • STEP 3

    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)

Higher shopping limit (>RM3500) can be obtain with documents submission.

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

Will there be any interest charged for my purchase(s)?

There will be no interest charged for 4 ZERO-FEE instalments and pay on time.

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 increase my shopping limit?

You may request for higher shopping limit in-app. Please do have your latest bank statement (in PDF), utility bill and payslip or income statement ready.

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 have more than 4 months instalments?

Yes, you may opt-in for a maximum of 24 months extension, there is a fixed processing fee. Customer required to make first payment (25%) during checkout process, which means they need to have sufficient money in their account for the first payment of the transaction to go through.

Can I apply for more than 1 (ONE) purchase at Switch 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.