12
Months
Download Now
Pay Smarter
Pay Later
Shop anywhere, in-store or online with instant credit up to RM1,499.
Why Ryt PayLater?
Ryt PayLater lets you buy now and pay later with total flexibility:
Scan any in-store DuitNow QR code.
Use your Ryt Card anywhere, in-store or online.
No documents, no late fees, and repay in easy instalments within your approved credit limit.
How it works
New User Perk
Enjoy 1.2% cashback on your purchases with Ryt PayLater!
Click here for full terms and conditions.
Flexible. Transparent. Always in your control.
And the best part?
Enjoy 0% interest
Simply pay your full statement balance before the due date, or pick a plan that works best for you thereafter.
3
Months
6
Months
9
Months
Forgot to choose a plan or need more time? Your outstanding balance will be automatically converted into an instalment plan, giving you more flexibility to repay.
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