Shop anything and anywhere, pay later

TPayLater by Caturnusa Sejahtera Finance is a payment facility that allows you to pay for your purchases inside and outside Traveloka within a period of 1 to 12 months.

To be able to use TPayLater, you will need to apply for it first. However, before applying, make sure that you:

• Have a valid identification document (KTP)
• Aged 21 – 70 years old

After your application is approved, you will receive a limit of up to Rp50 million which can be used to purchase all Traveloka products and available merchants both online and offline.

After completing your payment, your paid amount will be returned to your TPayLater limit so that you can use it again.

You can purchase the following products using TPayLater:

• Flight
• Train
• Bus & Shuttle
• Car Rental
• Airport Transfer
• Airport Train
• Hotel
• Villa, Resort & Apartment
• Last-minute Hotel
• Buy Now Stay Later
• Budget Hotels
• Travel Activities
• Tours
• Playgrounds
• Entertainment
• Transport
• Events
• Classes & Workshops
• Online Xperience
• Beauty & Spa
• Insurance
• International Data Plans

TPayLater can also be used for transactions on e-commerce platforms and in-store transactions with QR code.

TPayLater functions as an online payment method that is based on installments without a credit card. In simpler terms, TPayLater’s slogan is to “Buy First, Pay Later”. To enjoy this feature, every user has to first register and make sure to fulfill all the terms and conditions applied.

After your TPayLater application is approved, you receive a credit limit with the value up to Rp50.000.000. The limit can be used to pay for any products inside and outside Traveloka. You can pay for TPayLater’s loan in installments.

As a loan provider, Traveloka charges installment fee for users who use TPayLater for monthly installments. However, as TPayLater is an online credit with low installment value, the installment fee is also guaranteed to fit your budget.

TPayLater’s interest rate is 2.5% - 4.8% per month.

Traveloka provides installment fee cuts with terms and conditions applied.

One of the most obvious benefits of using TPayLater from Traveloka is the enablement to buy Traveloka’s products without having to pay on the same day. Simply put, users can buy any Traveloka products in installments without a credit card. Below are some of the perks of using TPayLater:

• Fast and secure payment inside and outside Traveloka
• Quick verification up to 15 minutes
• Free annual fee
• Low interest fee between 2.55%-4.80% per month
• Installment tenure up to 12 months
• Real-time transaction history on Traveloka app
• Easy interest payment on Traveloka app
• Limit up to Rp 50,000,000
• Members only benefits and discounts

You are only eligible to apply for TPayLater if you meet these requirements:

• Have a valid identification document (KTP)
• Aged 21–70 years old.

If you have met all the requirements above, it is possible that your application was rejected due to our credit analysis:

• Application details did not match the details in your documents.
• You have applied and have been approved for TPayLater previously.
• Documents were blurry/unclear, incorrect or expired.
• Family contact number was incorrect or unreachable.

Any further inquiries, please contact us by email at cs@traveloka.com or contact us here.

Your application verification process will take up to 15 minutes after you submitted your application. (Traveloka Priority Gold & Platinum users are eligible for Quick Verification only up to 10 minutes.)

Refund is available for purchases made using TPayLater.

However, the amount of refund will depend on the regulations of the product you purchased. Please also note that you will not receive a full refund since installment fees cannot be refunded.

For more information about refund, please see Refund Procedure.

Below are indications that you are being targeted by a fraudster:

• Someone calls you and asks for your personal identification information.
• You receive an SMS containing a one-time password (OTP) or a confirmation for a loan application that you have never heard of.
• You receive an SMS/email indicating a password reset or a log-in attempt from an unknown location.
• You receive an SMS/email directing you to open an unknown website, where you are instructed to share your Traveloka username/password/OTP.
• Someone offers you a swipe for cash (gesek tunai or “gestun”) service.
• Other strange instances, such as an email confirming a purchase that you did not make.
• You receive a download link in your Whatsapp message that asks you to download an APK file.

If you encounter any of the above or other suspicious activities at Traveloka, please contact us immediately so we can investigate it.

More about Fraud and "Gestun":

1. Fraud Prevention
2. About "Gestun"