Temu buy now pay later options allow you to conveniently shop the marketplace without paying upfront even if you have a bad credit score.
When it comes to deals for varying items such as clothing, beauty, electronics, games, auto parts, and several others, Temu is a name that comes in for its amazing cheap prices.
With global shipping and direct support for several buy now pay later apps and services with no credit check required, you can enjoy discounted products without bothering to pay upfront.
Temu Buy Now Pay Later Apps
Here is a list of buy now pay later apps you can use to shop the Temu marketplace:
Klarna
Credit Check
Soft
Min. Value
$10
Max. Value
Varies
Tip: Klarna is directly available as one of the Temu buy now pay later options when making payments on the platform.
If you are looking to shop on Temu any time soon, Klarna can be a game-changer for a more flexible and convenient shopping experience.
It is a payment solution that allows you to buy items on Temu and pay for them over time through manageable installments.
It is especially beneficial for those eyeing discounted items on Temu, as it enables you to split the cost into interest-free payments.
Simply select Klarna as your payment option at checkout on Temu, and you can enjoy your purchases without the need for immediate full payment.
How to Use Klarna on Temu
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select Klarna
- Log in to your Klarna account and authorize the transaction to complete the order
Affirm
Credit Check
Soft
Min. Value
$50
Max. Value
$20, 000
Tip: Affirm is also one of the Temu buy now pay later payment methods that you can use when you want to checkout.
Affirm is a convenient and flexible payment option available on Temu, providing a seamless buy now pay later experience for online shoppers.
With its user-friendly approach, it allows you to split your Temu purchases into manageable payments without the need for a credit check, making it an attractive option for those seeking financial flexibility.
Whether you are eyeing discounted items or high-ticket purchases on Temu, Affirm offers two financing options.
The “Pay in 4” plan allows you to make bi-weekly installment payments over six weeks, completely interest-free, making it ideal for low-ticket items.
For those looking for extended financing, Affirm’s long-term option accommodates payments over 12 months with a 15% APR, suitable for higher-value purchases.
As Affirm is widely accepted across major online retailers, including Temu, it provides shoppers with a convenient and transparent way to manage their budgets while enjoying their desired products.
How to Use Affirm on Temu
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select Affirm
- Log in to your Affirm account and authorize the transaction to complete the order
Afterpay
Credit Check
Soft
Min. Value
$50
Max. Value
$1,500
Tip: The direct-to-use Temu buy now pay later options also include Afterpay hence, seamless if you have purchasing power.
Afterpay proves to be another excellent choice of buy now pay later for Temu shopping, offering a financing solution without any negative impact on credit scores.
Utilizing a soft inquiry, Afterpay assigns purchasing power to users, facilitating a seamless shopping experience.
Beyond its renowned Pay-in-4 feature, Afterpay extends its services to include long-term monthly installments.
Through Afterpay Pay Monthly, financed in partnership with First Electronic Bank, users can spread payments over 6 to 12 months.
This monthly payment option is applicable to items valued above $400, with varying APR determined by the initial soft inquiry and platform usage, reaching a maximum of 35.55%.
Available at select retailers, including prominent brand names, Afterpay Pay Monthly provides users with the flexibility of extended financing, making it a valuable choice for diverse shopping needs on Temu.
How to Use Afterpay on Temu
- Add all the products you want to buy to your cart
- On the checkout page, simply select the Afterpay option
- Sign in to your Afterpay account and complete the payment
PayPal
Credit Check
Soft
Min. Value
$30
Max. Value
$1,500
Tip: With it being one of the top payment methods on the platform, you can enjoy PayPal as one of the Temu buy now pay later options for shopping by directly using it at checkout.
Using PayPal on Temu for buy now pay later transactions offers a convenient and flexible financing option for shoppers.
With PayPal’s widespread acceptance across millions of merchants, it stands out as a reliable service for those seeking to manage their payments effectively.
PayPal provides two primary buy now pay later options: the popular Pay-in-4 service and PayPal Credit, catering to short-term and long-term financing needs, respectively.
The Pay-in-4 service allows users to split payments for purchases in their cart, ranging from $30 to a maximum of $1,500, with bi-weekly installments.
For those considering long-term financing, PayPal Credit offers access to up to $12,000.
The monthly payment financing tool is particularly advantageous, featuring an interest-free period for the first four months.
However, exceeding this period incurs an APR of 29.24%.
With these versatile financing tools, PayPal on Temu becomes an appealing choice for shoppers seeking a variety of payment options.
How to Use PayPal Credit and Pay in 4 on Temu
- On the checkout page, select PayPal
- Once the PayPal page loads, sign in and select any of PayPal Credit or Pay in 4
- Once approved, you will be redirected to Temu with order completion notification
Zip
Credit Check
Soft
Min. Value
$35
Max. Value
$2,000
Tip: To use Zip to buy now and pay later on Temu, generate its virtual card or opt for the browser extension.
While Zip may not be directly integrated as one of the Temu buy now pay later options for transaction settlements, users can still leverage Zip’s services through the browser extension and its virtual BNP card.
This innovative approach allows shoppers to enjoy the benefits of Zip’s flexible payment options and split payments conveniently.
By using the browser extension, you can seamlessly connect your Zip account to complete purchases on Temu.
This extension serves as a bridge, enabling you to utilize Zip’s buy now pay later for Temu purchases and other platforms where direct integration may not be available.
Additionally, the virtual card enhances the shopping experience, acting as a versatile tool for completing transactions on Temu.
How to Use Zip on Temu
- Zip browser extension: install the browser extension which is available for Chrome and toggle it when you are on the Temu checkout page to generate a payment card
- Zip virtual card: simply log in to your Zip and generate a single-use virtual card that you can use to complete your payment on Temu
- In-app shopping: you can also use Zip to enjoy buy now pay later for Temu purchases when you shop through its store marketplace directly on your Zip app
Sezzle
Credit Check
Soft
Min. Value
Varies
Max. Value
Varies
Tip: If you have a Sezzle account, it powers buy now pay later for Temu purchases through its virtual card, and also, you can search its store list for Temu and shops in-app.
Although Sezzle is also not directly available as one of the Temu buy now pay later options for payments, you can still utilize its services through the Sezzle virtual card.
Despite the absence of direct integration, Sezzle offers a user-friendly and accessible solution for individuals looking to spread payments across various online shopping portals, including Temu.
Its inclusive approach makes its services available to a wide audience, without stringent credit score requirements, making buy now pay later accessible to more users.
Additionally, Sezzle provides a pathway to enhance credit scores through its Sezzle Up program.
By proactively settling orders, linking bank accounts, and verifying personal details, individuals can actively contribute to improving their credit ratings.
How to Use Sezzle on Temu
- Visit your Sezzle dashboard and generate a virtual card
- Copy the card details and paste them into the payment page on Temu to use for checking out
Zilch
Credit Check
Soft
Min. Value
$10
Max. Value
$1,000
Tip: Zilch is a virtual card-based pay-in-4 to use and enjoy Temu buy now pay later shopping through its Mastercard.
While Zilch is not directly integrated as one of the buy now pay later for Temu transactions, users can leverage its services through the Zilch virtual Mastercard.
This debit card-based platform provides a buy now pay later virtual card that users can utilize for payments across numerous online merchants, including Temu.
Its unique model offers a convenient solution for individuals seeking to shop and spread the cost of purchases, regardless of the specific buy now pay later services accepted by their chosen merchants.
The Mastercard-powered debit card, accessible through the Zilch app, is linked to the allocated spending credit.
Moreover, Zilch users can benefit from rewards by making upfront payments with their Zilch card, earning 2% cash back on the spent value deposited into their reward wallet.
This indirect access to Zilch’s services enhances flexibility and convenience for shoppers on Temu.
How to Use Zilch on Temu
- On your Zilch app, simply copy the card details
- Use the card information to complete your payment on Temu
Perpay
Credit Check
Soft
Min. Value
Varies
Max. Value
$1,000
Tip: To use Perpay as an alternative Temu buy now pay later option, you will need to have its credit card as it does not provide an on-the-go single-use card.
Perpay is also not directly integrated as one of the buy now pay later for Temu purchases but users can leverage its services through its credit card.
This unique buy now pay later option is tailored for employed individuals, relying solely on direct deposits from employers to determine eligibility and allocate shopping credits.
Functioning as an in-house pay-in-4 shopping platform, Perpay distinguishes itself by allowing users to shop exclusively within its marketplace.
Additionally, the platform provides a virtual card, enabling users to utilize their assigned purchasing power for payments on other platforms, including Temu.
A noteworthy feature of Perpay is its contribution to credit score growth
By reporting users’ repayment activities to major credit bureaus such as Experian, TransUnion, and Equifax, Perpay aims to assist users in enhancing their creditworthiness.
How to Use Perpay on Temu
- Request for the Perpay credit card
- Once approved, simply use the card details for making payments on Temu
Bread Pay
Credit Check
Soft
Min. Value
$50
Max. Value
$1,000
Tip: Bread Pay is not directly supported as one of the Temu buy now pay later payment methods hence, you can leverage its virtual card to split your purchase costs.
Bread Pay, similar to other Temu buy now pay later options, enables users to spread purchase payments into four installments over six weeks.
It is not directly integrated into Temu for buy now pay later transactions hence, you can utilize its services through the Bread Pay virtual card.
This pay-over-time service enjoys support from a broad array of merchants, including popular names like Ansgear, Newton Baby, Wayfair, Winkbeds, and more.
Additionally, users have the option to access increased funds, allowing them to finance higher-value items through the installment financing tool.
However, this extended financing comes with an APR of up to 29.99%, providing users with flexibility and convenience for their purchases.
How to Use Bread Pay on Temu
- Log in to your Bread Pay app and generate a single-use virtual card
- Copy the card details and use it to make your payment on Temu
Citi Flex Pay
Credit Check
None
Min. Value
$100
Max. Value
Varies
Tip: Citi Flex Pay is a post-transaction option to use and enjoy Temu buy now pay later shopping hence, you will need to log into your Citi app to convert the eligible Temu transaction into a Flex purchase.
While Citi Flex Pay is not directly accessible on Temu for buy now pay later transactions, users with a Citi Credit Card can still leverage its benefits.
This innovative feature allows individuals to convert eligible purchases made with their Citi Credit Card into Flex Pay orders, essentially turning regular transactions into buy now, pay later expenditures.
Despite not being seamlessly integrated into the shopping platform, users can enjoy the flexibility and convenience of Citi Flex Pay, making their purchases on Temu more manageable.
This option expands the scope of buy now pay later opportunities, demonstrating the adaptability of Citi Flex Pay beyond traditional retail scenarios.
How to Use Citi Flex Pay on Temu
- Complete the payment with your Citi credit card on Temu
- Log in to your Citi app and select that purchase
- On the purchase page, simply select the Flex option to convert it to a buy now pay later transaction
Amex Plan It
Credit Check
None
Min. Value
$100
Max. Value
Varies
Tip: Plan It is also an after-purchase Temu buy now pay later option which requires you to log into your American Express app to convert qualifying purchases into installments.
American Express Plan It features bring added flexibility to your shopping experience on Temu.
When you use your American Express card for transactions on Temu, you can leverage Plan It to create structured payment plans for specific purchases.
This means you have the freedom to spread the cost of your acquisitions into equal, predictable monthly installments with a fixed fee.
Whether you are eyeing a special item or making a larger purchase, Plan It empowers you to manage your budget effectively without incurring traditional interest charges.
How to Use Amex Plan It on Temu
- Log into your American Express account
- Go to your activity history and select the transaction paid for on Temu
- Select the ‘Plan It’ tag to add it to your list of buy now pay later transactions
My Chase Plan
Credit Check
None
Min. Value
$100
Max. Value
Varies
Tip: Similar to Flex Pay and Plan It, this option enables you to enjoy Temu buy now pay later purchases after you have paid with your Chase Bank credit card.
Maximize your shopping convenience on Temu with My Chase Plan, a versatile feature offered by Chase credit cards.
When you shop on Temu, My Chase Plan allows you to convert qualifying transactions into easily manageable monthly installments.
This buy now, pay later solution empowers you to spread the cost of your purchases over a predetermined period, promoting financial control and flexibility.
By selecting My Chase Plan on eligible transactions while viewing your transaction history, you gain the flexibility to tailor your payments to your budget.
This may come with the added benefit of potential reduced or zero interest, depending on your Chase credit card terms.
How to Use My Chase Plan on Temu
- Simply log in to your Chase app
- On your payment history, select the transaction you used your credit card to pay for while shopping Temu
- You will be able to convert it to installment payment provided it is eligible
Prime Visa Installment
Credit Check
Soft
Min. Value
$100
Max. Value
Varies
Tip: This is another amazing Temu buy now pay later option for shopping which also applies to after use. It relies on My Chase Plan hence, you will need to use the Chase Bank app after the transaction to convert eligible purchases.
You can also experience enhanced flexibility when shopping on Temu by leveraging Amazon Prime Visa installment, a financing add-on to the credit card offered by Chase Bank.
After making purchases on Temu with the Amazon Prime Visa, Chase allows you to convert eligible transactions into manageable installment plans, turning your buy now, pay later experience into a seamlessly integrated process.
This feature enables you to spread the cost of your Temu purchases over a fixed period, adapting to your financial preferences.
You can take control of your budget and enjoy the convenience of structured payments with the Prime Visa installment, making your Temu shopping spree both rewarding and financially manageable.
Note that you will need to log into your Chase app to convert any eligible Temu transaction into a buy now pay later as this also relies on My Chase Plan.
How to Use Prime Visa Installment on Temu
- Simply log into your Chase Bank app
- Select any qualifying purchases of $100 or more
- Select ‘My Chase Plan’ to convert it to an installment transaction
If you currently do not have an Amazon Prime Visa credit card, a digital gift card version will after approval be immediately available to you to use anywhere Visa is accepted, including Temu.
With the integrated Temu buy now pay later options for shopping, the platform enhances the accessibility and affordability of its wide range of products, providing users with financial flexibility and a seamless shopping journey.
Using any of the financing options for Temu above, you should be able to make purchases, including discounted items, without the immediate burden of paying the full cost for your orders.
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