Various fintech service have sprung up along with the changing lifestyle of the Indonesian people who are now compeletely online because of the fast and easy to use. One of the discoveries in the fintech industry is by transacting using a feature called PayLater. This study aims to analyze the effect of perceived usefulness, perceived risk and pereceived trust either directly or through the mediating variable Attitude toward Using on Intention to Use Traveloka PayLater. The total number of respondents used in this study was 417 respondents. Based on the data that has been collected and has passed the testing process with the Multiple Linear Regression method using Smart PLS 3 software. The results obtained from the hypothesis prove that Perceived Usefulness, Perceived Risk and Perceived Trust influence Intention to Use Traveloka PayLater. This research has limitations, it only covers one Fintech, which is Traveloka PayLater and the research results cannot be generalized to other Fintechs. In future research, the researcher suggests getting more respondents and covering a wider area to produce more accurate data.