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This study addressed the Buy Now, Pay Later: Shopee Online Store Users Experiences on Shopee Pay Later Feature (Spay Later). The research investigated the users’ experiences using the Spay Later feature, specifically user satisfaction, convenience, financial behavior, and challenges faced. While some of the studies explored only the positive and negative impacts of the feature, there are gaps that the other studies have not identified. This study addressed the overall experience of Spay Later users, an area not fully covered in previous studies. It utilized a phenomenological study approach under a qualitative method. The participants of the study were chosen through a judgmental sampling approach, consisting of ten (10) spay later user with five thousand (5,000) pesos credit limit and a gold/platinum level. Furthermore, the researchers conducted semi-structured interviews with open-ended questions. The results indicated that the Spay Later feature is flexible and convenient. In conclusion, the Spay Later feature positively impacted the users’ experiences, it helped the users to access their needs during financial constraints and improve their budgeting skills. This study suggests to the existing and future users to moderately use the feature and apply the decision-making process effectively in every transaction.

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