How It Works | TendoPay

Buy Now, Pay Later

TendoPay lets you buy now and pay later at your favorite stores at a schedule that’s convenient for you. An easy and transparent way to shop, we’ll show you your repayment schedule before you complete any purchase.

Getting Started



  • Apply online or through our app. You will need:

  • One valid ID
  • Recent proof of income


Get Approved

  • We’ll review your application and get back to you via email & SMS with our decision.


Go Shopping

  • Click on the logo of your favourite merchant to see instructions on how to shop. For Lazada instructions click here.



  • You can repay through a number of online and in-store methods. See all of them here.

Still need assistance? Visit our Help Center

Help Center