Maya Mini Payments Makes Big Purchases Easier With Flexible Monthly Payment Options

There are moments when saying “yes” feels absolutely worth it, a dream vacation you've been planning for months, a powerful new laptop to boost productivity, a long-overdue home upgrade, or a season filled with birthdays, weddings, and special celebrations.

While these purchases can bring excitement and value, paying for everything in one go isn't always the most practical option.

That's where Maya steps in.

As the Philippines’ leading all-in-one fintech platform and the country's #1 Digital Bank, Maya continues to make money management more convenient with the launch of Mini Payments, a new feature designed to give credit card holders greater flexibility over their spending.

Turn Eligible Purchases Into Easy Monthly Payments

Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, Mini Payments allows eligible posted credit card purchases to be converted into affordable monthly payments directly through the Maya app.

Instead of relying on merchant-specific installment promotions or waiting for limited-time offers, cardholders can decide after making a purchase whether they want to spread the cost over several months. This gives users more control and freedom over how they manage their finances.

Whether it's a travel booking, gadget purchase, furniture upgrade, or other significant expense, Mini Payments helps make larger purchases easier to handle without putting too much strain on your monthly budget.

Flexible Terms With Fixed Monthly Interest

Mini Payments offers flexible repayment options, allowing cardholders to split eligible purchases into:

3 months

6 months

9 months

12 months

All plans come with a fixed 1% monthly interest rate, regardless of the repayment term selected.

Applications can be approved within 24 hours, and users can conveniently track their payment schedules, balances, and repayment progress directly within the Maya app.

Combine Purchases and Choose the Plan That Works for You

One of the biggest advantages of Mini Payments is flexibility.

There is no minimum amount required for individual transactions. Instead, cardholders only need to meet the minimum total converted amount based on their preferred payment term:

• ₱3,000 for 3 months
• ₱6,000 for 6 months
• ₱9,000 for 9 months
• ₱12,000 for 12 months

Multiple eligible purchases can be combined to reach the required amount, making it easier to customize a payment plan that fits your financial situation.

To help users plan ahead, Maya also provides a Mini Payments Calculator where cardholders can simulate different repayment scenarios and estimate monthly payments before converting their purchases.

Enjoy Zero Processing Fees Until September 30, 2026

For a limited time, Mini Payments offers even more value.

All Mini Payments plans created on or before September 30, 2026 come with zero processing fees, giving cardholders a cost-effective way to try the feature and maximize their spending flexibility.

How to Use Maya Mini Payments

Getting started only takes a few minutes:

• Open the Maya app and access your Credit Card transactions.
• Select an eligible posted transaction you'd like to convert.
• Choose your preferred payment term—3, 6, 9, or 12 months.
• Review the payment details and tap Continue to confirm.

Before finalizing the request, the app clearly shows the monthly payment amount, total interest charges, and complete payment schedule, helping users make informed financial decisions.

More Control Over Your Budget

Unexpected expenses and major purchases are part of everyday life. Maya's Mini Payments feature provides a practical way to manage these costs by transforming eligible purchases into manageable monthly payments.

With flexible terms, transparent pricing, and a seamless in-app process, cardholders can enjoy greater control over their cash flow while still making room for the things that matter most.

For more information about Maya Mini Payments, visit Maya's official website and follow @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for the latest updates and announcements.

Approval and offers remain subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas.