We predict late-time optical/UV emission from tidal disruption events (TDEs) from our slim accretion disc model \citep{Wen20} and explore the impact of the black hole mass , black hole spin , and accretion disc size. We use these synthetic spectra to successfully fit the multi-band \emph{Swift} observations of ASASSN-14li at >350 days, setting only the host galaxy extinction and outer disc radius as free parameters and employing the , , disc inclination, and disc accretion rates derived from fitting 10 epochs of ASASSN-14li’s X-ray spectra with the slim disc. To address the nature of the \emph{early}-time optical/UV emission, we consider two models: shock dissipation and reprocessing. We find that (1) the predicted late-time optical/UV colour (e.g., ) is insensitive to black hole and disc parameters unless the disc spreads quickly; (2) a starburst galaxy extinction model is required to fit the data, consistent with ASASSN-14li’s post-starburst host; (3) surprisingly, the outer disc radius is 2 the tidal radius and constant at late times, showing that viscous spreading is slow or non-existent; (4) the shock model can be self-consistent if M, i.e., on the low end of ASASSN-14li’s range (M; 1 CL); larger black hole masses require disruption of an unrealistically massive progenitor star; (5) the gas mass needed for reprocessing, whether by a quasi-static or an outflowing layer, can be M, consistent with a (plausible) disruption of a solar-mass star.

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