How To Use Temu Buy Now Pay Later?

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This is a complete Guide on How To Use Temu Buy Now Pay Later.

Temu is an online marketplace that offers “Buy Now, Pay Later” payment options that allow users to purchase big products at affordable prices and pay later in 4 interest-free installments.

Temu supports shop now pay later services such as AfterpayKlarna, and Affirm to split the payment. Also, you can use Temu credits to make purchases and pay for them in installments over time.

In this article, we will help you to make purchases on Temu and pay for them in four equal payments over six weeks. 

But before diving into the article, click the above button to claim your  Temu $200 Coupon bundle and save more money on your order.

What Payment Methods Does Temu Accept?

What Payment Methods Does Temu Accept?

Temu accepts many payment methods, including major credit cards such as Visa, Mastercard, JCB, and Discover. Online payment processors such as PayPal, Apple Pay, Cash App, and Google Pay.

Temu uses Installment payment options such as Klarna, Afterpay, and Affirm. Temu also has a currency called Temu credit that you can use to pay for your orders.

Even though Temu is safe to use credit cards, you can still read our detailed Temu review to know more about Temu.

How To Use Temu Buy Now Pay Later?

How To Use Temu Shop Now Pay Later?

To use Temu Buy Now Pay Later, you must have to purchase a product of more than $10. And if you want to pay with Affirm, then you will need to order more than $100.

Follow the below steps to use the Temu Buy Now Pay Later feature:

  1. Visit this Temu Link to open or log in to your Temu account.
  2. Choose the product you want and add it to your cart.
  3. Add your shipping details and head out to payment.
  4. On the checkout page, you will see “Afterpay” and “Klarna” select any of them.
  5. Then, you will be redirected to the login page, provide your details, and click on pay.
  6. Done! Your payment will be split into 4 interest-free payments of the order amount.

If you don’t have a buy now pay later account, then read our articles Afterpay or Klarna and earn a $30 Sign up bonus when you join.

Maximize Discount On Temu Pay Later With Temu Coupon Codes

Maximize Discount On Temu Pay Later With Temu Coupon Codes

If you want to save more money on Temu orders while splitting your Payments, then here are some working Temu Coupon codes for all users to get a $200 Coupon bundle:

  • Temu $200 Coupon Code – opt35230
  • Temu coupon code 40 off – com19390
  • Temu coupon code 2023 for existing customers – com89572
  • Temu discount code – com72500
  • Temu coupon $100 off – ord98554
  • Temu 50% off code – com43697
  • Temu 120 coupon bundle – com19390

How To Use Temu Coupons With Shop Now Pay Later Methods?

Follow the below steps to use your Temu Free coupon codes with buy now pay later options:

  1. Visit this Temu Referral Link to open a new account.
  2. Use this Temu Referral code (opt35230) and paste it on your search bar.
  3. You will get a $100 Temu Coupon bundle.
  4. Add the product you want to your cart and go to the checkout option.
  5. Click on “Apply a Coupon Code” and choose your $100 Coupon bundle.
  6. Done! You will get Temu 50% discount on your Temu order.
  7. Select your Temu buy now pay later app and complete your purchase.

Don’t want to pay anything for Temu Products? Check out our article on How To Get Free Stuff on Temu and claim your free gifts from Temu.

How To Use Afterpay On Temu?

How To Use Afterpay On Temu?

To use Afterpay on Temu for making payments, you can follow these steps:

  1. Download the Temu app or visit
  2. Search for your favorite items and add them to your shopping cart.
  3. Go to your shopping cart and click on “Proceed.”
  4. You will be directed to the Order Confirmation page.
  5. At checkout, select Afterpay as your payment method.
  6. With Afterpay, you can make purchases in four payments every two weeks with no interest.

How Does Temu Pay Later Work?

How Does Temu Pay Later Work?

Temu Pay Later option works simply like other payment methods that allow you to split your order value into four equal installments that will be charged every two weeks from your credit card.

You have to make your first installment at the time of purchase so that you will get Temu Products shipped to your home. The remaining three installments will be charged automatically every 14 days.

It offers flexibility to customers, as they can choose whether to pay in full or in installments based on their financial situation.

In addition, if you have sufficient Temu credits, then you can also split your payments into Temu credits, with Temu pay later automatically deducted from your credit balance.

Looking for the best Temu buys? Read our detailed article on Best Things To Buy On Temu.

Benefits Of Temu Shop Now Pay Later

Benefits Of Temu Shop Now Pay Later

Temu Buy Now Pay Later services offer you the flexibility to make your payments later and enjoy your Temu products now without any hidden fees or interest.

  • Shopping at an affordable price
  • The ability to purchase more
  • The convenience of EMIs
  • Credit scores are generally not affected
  • Spreading out costs over several months

With Temu Shop Now Pay Later, you can easily purchase big products from Temu and split your payments over weeks or months.


In the end, TEMU’s Pay Later feature is a great way to make shopping on their platform more convenient and affordable. You can split your payments into four equal parts, and you don’t need to pay any extra interest. 

It’s easy to use as long as you have a valid credit card and understand how it works. However, remember that you can’t pay off your balance early, and you must stick to the payment schedule. 

So, if you can handle that and meet the requirements, Pay Later can be a smart choice to make your TEMU purchases more flexible.

Does Temu accept cash on delivery?

Sadly, Temu does not accept cash on delivery! You have to make your payment using Credit or Debit cards and online apps such as Apple Pay and PayPal.

Does Temu accept PayPal pay in 4?

No, Temu Does not accept PayPal Pay in 4. If you are making a payment with PayPal, then Temu will charge all your order value from your PayPal balance.

Can you use Afterpay on Temu?

Yes! Temu does support Afterpay as one of the payment methods. On Temu, you can choose Afterpay as your preferred payment method, making it easier to spread payments over time and buy the items you want.

Can you use Klarna on Temu app?

You can use Klarna as a payment option on the TEMU app. During the checkout process on TEMU’s app or website, you can select Klarna as your preferred payment method.

To complete the payment, you’ll need to enter your Klarna credentials to link your accounts and then review and accept the payment terms.

Does Temu Offer Buy Now Pay Later?

Yes! Temu does indeed offer a Buy Now Pay Later (BNPL) option for its customers.

This service enables users to make purchases and pay for them in manageable installments over time, providing greater flexibility in managing their finances.

Temu supports several BNPL providers, including Afterpay, Klarna, and Affirm. These BNPL providers allow customers to spread their payments over a while, making it easier to purchase items they desire.

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