Paying in Installments on Temu: What You Need to Know

Smart shopping, yes—but without breaking the bank. Temu, the low-cost shopping platform that's getting more attention, understands this well.

That’s why it offers users installment payment options. But how does it really work? Is it reliable? And more importantly, is it suitable for all types of buyers?

Here’s a hands-on review and full analysis based on actual use of the available services.

Why consider paying in installments on Temu?

When shopping on Temu, the average cart rarely exceeds a few dozen euros. Still, paying in installments can be useful, especially if:

• You have a small monthly budget but need several items at once.
• You want to try a more expensive purchase (e.g., electronic gadgets or home equipment) without immediately impacting your bank balance.
• You want to better spread your expenses without using a traditional credit line.

Temu offers two main installment payment options: Klarna and Scalapay. Each has its specifics. After several tests, here’s a detailed and practical overview of what to expect.

Klarna: Pay in 3 Installments with No Fees (Starting from €35)

Simplicity and Accessibility

Klarna allows you to split your payment into 3 interest-free installments, but only for purchases of €35 or more. This minimum threshold is required to use the split payment option.

No paperwork, no special card needed: just select Klarna at checkout. The signup process is smooth, the interface is clear, and approval is almost instant.

Real-Life Example

I personally used Klarna for a €36.44 order: kitchen accessories and a bathroom mat. First installment was charged immediately (€12.15), the other two followed at 30-day intervals. Everything is transparent—you get a confirmation email and a reminder before each charge.

Good to Know

• Klarna performs an eligibility check with each order. Approval is not guaranteed.
• A standard bank card is recommended (some prepaid cards are rejected).
• Usage history may influence acceptance.

Scalapay: For Smaller or More Flexible Orders

More Accessible Conditions, Less Known

Scalapay lets you split your payment into 3 or 4 installments, depending on the terms offered, starting from €20. This lower threshold makes it great for smaller carts or frequent purchases.

Shopping Experience

My €20.38 cart was split into 4 payments of €5.09. Scalapay's interface is more “standard” than Klarna’s, but still intuitive. What I liked: the ability to connect my bank account directly via IBAN or choose a card. Everything is managed through their app or by email, with friendly reminders before each due date.

What You Should Know

• Scalapay may also deny a payment if your profile or balance doesn't meet their criteria.
• Fees may apply for missed payments.
• You may need to provide an ID upon first use.

PayPal: A Reliable Alternative in 4 Payments Starting at €30

Accessible and Widely Used

PayPal also offers installment payments on Temu, via its “Pay in 4” option. This lets you split your payment into 4 interest-free installments, provided your total is €30 or more.

It’s easy to subscribe if you already have a PayPal account. The option appears automatically at checkout if your cart qualifies. A quick eligibility check gives you an instant response.

Take Note

• This feature is only available to verified PayPal accounts (linked card or bank account).
• The first installment is charged immediately, followed by three monthly payments.
• Approval depends on your PayPal profile and history.

How to Choose Between Klarna, Scalapay, and PayPal?

Criteria	Klarna	Scalapay	PayPal
Minimum Amount	€35	€20	€30
Number of Installments	3 times	3 or 4 times	4 times
Fees	None (if paid on time)	None (if paid on time)	None (if paid on time)
Access Conditions	Moderate	Flexible	Verified PayPal profile required
Mobile Use	App recommended	Optional app	PayPal app or website
Best for…	Grouped purchases	Small flexible carts	Frequent PayPal users

How to Activate Installment Payment on Temu?

Here are the steps, tested several times:

1. Add your items to the cart.
2. Click “Pay”.
3. On the payment selection page, scroll down to see Klarna, PayPal or Scalapay.
4. Select your preferred option.
5. Follow the partner service's instructions (ID, bank card, etc.).
6. Confirm your order. Done!

Is Using These Services a Good Idea?

From a strictly user point of view—yes, if you manage your installments well. Klarna and Scalapay are reputable European providers, well-regulated, and installment plans are fee-free as long as you stick to the schedule.

But be cautious:

• These are not magical solutions. Overusing them can mess with your budget.
• If you're facing difficulties, it’s better to contact customer service early to avoid late fees.
• The apparent “ease” shouldn’t lead to impulsive purchases.

My Opinion After Several Trials

As a regular Temu user (and curious tester of payment options), I find that installment payment adds true purchase flexibility, especially for families or students wanting to spread costs with no extra charge.

• Scalapay is perfect for small, flexible carts from €20.
• Klarna is handy if you group purchases to reach the €35 minimum.
• PayPal offers a balanced option, starting from €30, with 4 payments.

But like with any payment facility, you need to stay realistic: if you struggle to keep track of spending, better to use it occasionally.

Have personal experience with these services on Temu? Faced issues or have tips to share? Don’t hesitate to leave feedback—real-world experiences often help make the best decisions.