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Buy Now, Pay Later

Buy Now, Pay Later from America's Credit Union

Life moves fast, and your money should keep up! Whether you’re gearing up for a big purchase or wanting more breathing room on a recent one, Buy Now, Pay Later from America’s Credit Union gives you the flexibility to make spending feel effortless.

With two smart payment options – Plan Your Purchase and Split Your Payments – you choose how and when you pay. No credit checks. No application. No extra accounts or cards. Just simple, transparent financing built right into your checking account. 

Because your financial life should work for you, not the other way around. 

Access Online Banking

Flex Your Budget. Pay Your Way.

Buy Now Pay Later - Split Your Payments

Split Your Payments

Turn recent purchases into smaller, easier payments.

Already bought something? Split it up!

Split Your Payments lets you convert eligible debit card purchases from the past 60 days into installment payments – right from your Online Banking dashboard! Great for:

  • Unexpected expenses
  • Everyday essentials
  • Seasonal splurges
  • Online and in-store purchases

 

 
Buy Now Pay Later - Plan Your Purchase

Plan Your Purchase

Buy now with upfront funds. Pay later in easy installments.

Need the money before you buy? No problem!

Plan Your Purchase gives you access to funds upfront so you can make purchases now and pay it off over time in predictable installments. Perfect for:

  • Travel bookings
  • Tech upgrades
  • Furniture and home essentials
  • Big life moments

You’re Already Qualified. Seriously.

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No Credit Check

BNPL is financing without the friction!

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No Application

BNPL offers right at your fingertips – ready to review anytime

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No New Cards or Accounts

Use your existing ACU checking and debit card

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Everything in One Place

View, manage, and make payments right within Online Banking

 

BNPL Frequently Asked Questions

How do I apply for a BNPL loan?

There is no application for an America’s Credit Union BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your Online Banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.

How soon will I see my purchase amount deposited back into my account?

After you have accepted an ACU Buy Now, Pay Later offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

Does BNPL require a credit check?

No, ACU’s Buy Now, Pay Later offering does not require a credit check.

Can I pay off my BNPL plans early?

Yes. You can pay off your BNPL plans early within your ACU Online Banking or at a branch.

Why can't I see any BNPL offers?

If you do not see any BNPL offers, this may be because your current account status is not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.

If you are eligible for Plan Your Purchase but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for BNPL.

What makes a purchase eligible for Split Your Payments offers?

A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility.

Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?

Yes. Your eligibility for BNPL offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers they are eligible for, and vice versa.

Mobile data rates apply when using mobile banking. Must have an active ACU checking account with debit card (membership and account criteria apply) open for at least 90 days, and no account restrictions. Not all checking accounts and/or debit card transactions will qualify. ACU’s Buy Now, Pay Later is a loan product. 
 
You must receive an offer to use BNPL. Offers will be extended for eligible in-store and online ACU debit card purchases in amounts between $100-$5,000 for eligible accounts. Certain exclusions apply including ATM withdrawals, gas stations, lotteries, loan payments (mortgage, automobile, credit card, etc.) cash advances, cash/cash equivalent or money transfer service transactions, or transactions that involve any payment or fee owed to the Credit Union. Late fees apply, see the Schedule of Fees and Charges for more information about fees. Refer to the Buy Now, Pay Later offer in online banking for additional information, APR and term options.
 
APR = Annual Percentage Rate. APR for Split Your Payment transactions is 15.00%. APR for Plan Your Purchase transactions is 17.00%. Because this is a fixed‑rate loan, your APR and interest rate will remain the same for the entire term. Eligibility is based on debit transactions that meet requirements. No credit qualification required. Membership account must be in good standing with no account restrictions. Members may have up to 8 active BNPL plans at a time, however, this does not mean that every member will qualify for 8 plans at once. Repayment terms range from 3 to 24 months. To see if your debit purchase qualifies for a Buy Now Pay Later (BNPL) plan, please log into your online banking account.
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