Manage surprises

PayLater helps you to manage surprise health and wellness expenses.

Subject to making application and VSPRY approving your application, split the cost of a health bill into equal instalments over an agreed number of fortnights or months, to ease the burden on your budget.

It's interest-free and fee-free, with no late fees. We want you to pay on time, but we don’t penalise you when you don’t. Depending upon how late you pay, the consequences of continued late payment will merely be your credit limit with VSPRY. We rely on your good nature to pay us back.

Choose your frequency and choose the number of instalments.

PayLater terms

For more information, please refer to the PayLater terms.

©2019-2020 Vspry Australia Limited ABN 41 631 026 330.


Products and services shown on this website are currently not available for sale until such time as various regulatory and licensing approvals have been granted. The information on this website is general in nature and doesn't consider your personal circumstances, so please take the time to make sure that a product or service is right for you.


Products and services are issued by different companies. Saving/investment products are issued by Kinsmen Securities Limited ABN 50 100 139 820 AFSL 222650. Hospital cover products are issued by nib health funds limited ABN 83 000 124 381. PayLater products are issued by Vspry Money Pty Limited ABN 88 638 831 857. Merchant products are issued by Vspry Australia Limited ABN 41 631 026 330. Reward products are issued by Vspry Rewards Pty Limited ABN 88 638 677 595.


Always read the relevant Product Disclosure Statement, our General Terms, and any product-specific Terms.


VSPRY® is a registered trademark of Vspry International Limited. Your health, your way. Be very spry.