12
Months
Instant credit
Up to RM1,499 to start
0% interest for the first month
No documents
No late fees
Earn cashback as you spend
Scan any in-store DuitNow QR code and pay with your available credit in Ryt PayLater to enjoy these rewards.
1.2%
cashback, up to RM5.
2x
cashback at participating Yes stores.
View full list here.
Pay with Ryt PayLater, anywhere
Just open the Ryt Bank app, scan any in-store DuitNow QR code, and pay with your available credit.
Scan & pay with QR
Flexible. Transparent. Always in your control.
And the best part?
0% interest for
the first month
Or pick a plan that works best for you thereafter.
3
Months
6
Months
9
Months
Miss your first payment? We’ll auto-convert the amount into 3 monthly instalments from your main account. No late fees.
Build your credit with every Ryt PayLater repayment.
Each time you repay on time, your credit score improves, unlocking higher limits and setting yourself up for bigger things in life, like your first car or home.
Credit Score