Shopee PayLater is Shopee's "buy now, pay later" service, which provides users with credit to spend on any item on the Shopee platform. Customers who utilize Shopee PayLater can pay off their loan in full the following month or in up to 12 monthly payments. With the aid of digitalization, several types of transactions may be completed in a matter of seconds. This study was carried out to aid in the construction of protection for users of financial technologies in Indonesia, particularly in paylater services. Data obtained by using purposive sampling of 102 respondents and analyzed with Smart PLS 3. The results of the study show that all proposed hypotheses are significant, but service quality has no significant effect on customer loyalty directly. Service quality does affect customer loyalty, but it is not the most versatile factor that affecting it. From seven hypotheses, all resulting in positive. Related to the research that has been done, the researcher suggests that for further researcher to keep developing the variables that has been used in this research and finding the factors that stimulate great results towards the dependent variables.