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Due to rapidly growing online market and supply of mobile devices, the need for mobile Fintech payment service that supports trust and easiness of payment options has increased. Payment options that are provided by the e-commerce platform influence the customer purchase decision making. Credit is an attractive way to buy now rather than buying after saving. The purpose of this paper is to examine the factors that influence a consumer-s attitude and intention to use PayLater using a sample representative of Indonesians millennial users. The technology acceptance model (TAM) and theory of acceptance and use of technology (UTAUT) used in this study. A nationwide primary survey was conducted using the questionnaire. Convenience sampling was used to select the respondents. In total, 473 respondents participated in the survey, and PLS-SEM was used to estimate and test the hypothesized model. The results show that factors like perceive ease of use (PEOU), perceived usefulness (PU), trust, security, facilitating conditions, lifestyle compatibility and debt attitude have a significant impact on the consumer attitude and intention to use PayLater. The findings of this study provide several important implications for PayLater adoption research and practice.