When the Paylar service invades, every app will help alleviate financial or increase the people's debt. With things to know • thumbsup

Do not know whether it is really good for PayLater services, or a simple word, which is before paying later. Almost every bank has an attempt to encourage people to spend more. Which in terms of company employees who want to spend help in the middle of the month May answer well Because when the salary is instantly The bank will cut money to return the balance immediately. But in terms of people with low salary There may be a risk of spending more money. Despite checking credit bureaus But the person whose salary starts at 15,000 baht should spend more carefully

SCB EIC Have analyzed about Buy Now, Pay Later (BNPL) behavior or buying products “before paying later” that it has the opportunity to be popular with the new generation Especially the Millennials and Gen Z consumers because of convenient And easy to access Because it meets the matter of spending with the same amount of payment formats, each of which will be collected from a bank account, debit card or credit card of the user. Until the full amount

The risk of bad debt from checking credit bureaus

The risk of BNPL spending is that new employees With an initial income of 15,000 baht or lower But want to spend this format Because wanting to buy clothes Costume Working items In the first part of work Therefore, this short -term credit bureau must be checked, such as Shopee, has linked the debt payment with credit bureau to help inspect the said applicant. This evaluation will be included with the assessment of loans with other financial institutions. To make a better decision as well

Now, what Thai people spend through the apps Grab, Shopee, Tiktok, Lazada, because we have bought travel products or eating food through various apps. Which sometimes the service fee per spending may be so high that you may have to wait for money before eating And with this concept, the executives of these applications create ideas. “Use before paying later” In order to increase the opportunity to return to consumers and then think the bill to pay at the end of the month It seems like allowing consumers to come back often. Don't worry about expensive belongings.

Pay good debt, don't worry.

If you are a person who has a low -paid credit card use for a long time, it may not be suitable for this type of money borrowing. Because it may become a messy debt But if you are a direct payment, pay for the installment every month Borrowing money for a short period of time That is calculated that it can be paid This is a good thing to help “turn money” to increase agility in the middle of the month.

How much is the app to think of interest?

Shopee Available from 2 companies as follows

Tiktok

Tiktok Paylar Is a service that allows users to pay for products later Divide the details into

• Credit limit: Up to 20,000 baht
• interest: 2.08% per month
• Payment period: Users can choose to pay in the period of 1, 2, 3 or 5 months.

Grab

Grab Paylater can spend as you wish. Whether it is a 4 -month payment* without interest or a total form to pay by the 7th day of the following month No interest rates and fees In addition to the follow -up fees (total 53.50 baht) for the outstanding payment of each item that exceeds 1,000 baht. If you miss the grab payment, will temporarily suspend the Paylar account to prevent too much spending.

Lazada

Lazada Paylater There are 0% payment options for interest for full payment within 40 days or can choose to pay for up to 12 months, with interest fees. If choosing monthly installments (such as 3, 6, 9, 12 months), there will be interest fees. Which will be calculated according to the selected payment plan And will show the actual interest fee on the order page