This study analyzes the influence of Social Influence, Hedonic Motivation, Habit, and Financial Literacy on PayLater Adoption. This study used primary data, with non-probability sampling: purposive sampling methods techniques. The number of samples used in this study are 200 respondents. Data collection is carried out through the distribution of questionnaires using google form. The data analysis used is Structural Equation Modeling (SEM) using Smart PLS 4 software. The results of this study show that Social Influence, Hedonic Motivation, and Habit have a positive and significant effect on PayLater Adoption. Financial literacy had a positive insignificant effect on PayLater adoption. Based on the study's findings, researchers make recommendations to the government, academic institutions, and other interested parties on how to raise public knowledge of the advantages and drawbacks of PayLater use in order to prevent detrimental effects on community welfare.