TikTok Shop testing BNPL in Mexico

TikTok is testing a buy-now, pay-later option inside TikTok Shop in Mexico, offering some users credit lines of up to 30,000 pesos for purchases made in the app. (elfinanciero.com.mx) The feature began appearing for some Mexican users in early April 2026, and reports say it is not yet available to every account. TikTok Shop launched in Mexico on February 6, 2025, making the country the platform’s first market in Latin America. (dedinero.com.mx) (newsroom.tiktok.com) Users who see the option can apply digitally by verifying a phone number, scanning a Mexican voter ID card, submitting tax and personal details, and completing a biometric check with a photo. Reported repayment terms run as long as 12 months, and some users have been approved first for smaller limits, including 500 to 2,000 pesos. (xataka.com.mx) (heraldodemexico.com.mx) (dedinero.com.mx) The credit cannot be withdrawn as cash or used outside TikTok Shop. It is tied to checkout inside the platform, which means TikTok is adding financing to a shopping product it already uses for videos, livestreams and in-app storefronts. (elimparcial.com) (newsroom.tiktok.com) Reports in Mexico say the product is operated with Klarna and Pipo Soluciones Digitales, rather than as a traditional bank card. Xataka reported TikTok’s terms describe the interest rate as dynamic, with pricing depending on the user profile and the risk tied to the purchase. (elimparcial.com) (xataka.com.mx) Mexico is already a fast-growing market for this kind of financing. A ResearchAndMarkets report distributed by Business Wire said Mexico’s buy-now, pay-later market was expected to grow 33.5% in 2025 to $6.09 billion, with Klarna among the companies active in the sector. (businesswire.com) TikTok has been building that commerce base in Mexico for more than a year. In its February 2025 launch announcement, the company said Mexican users could buy products without leaving the app, and sellers could reach shoppers through shoppable videos and live broadcasts. (newsroom.tiktok.com) The new test pushes that model one step further: not just discovery, not just checkout, but credit at the moment of purchase. In Mexico, TikTok is turning its shopping tab into a place where the app can sell the product, process the order and finance the basket in the same flow. (elfinanciero.com.mx) (xataka.com.mx)