Buy Now Pay Later

Buy Now,
Pay Later

A smarter way to manage everyday purchases. Split past transactions or plan future ones, all from your ACU Online Banking. No credit check, no new accounts.

Log In to Get Started Compare Plans
Buy Now, Pay Later
Two Ways to Pay

Choose Your Plan

Whether you want to break up a recent purchase or plan for something big, ACU has you covered.

Past Purchases

Split Your Payments

Convert eligible debit card purchases from the past 60 days into manageable installment payments. Access it right from your Online Banking dashboard.

15.00% Fixed APR
  • Purchases of $100 to $2,500 each
  • Up to 3 plans, $2,500 in total
  • Terms of 3 to 12 months, set by amount
  • No credit check required
  • Pay off early anytime
Great for
Unexpected Expenses Everyday Essentials Seasonal Splurges
Future Purchases

Plan Your Purchase

Get upfront access to funds for purchases you're planning, deposited right into your account. Pay back over time in fixed installments.

17.00% Fixed APR
  • Funds deposited into your account
  • $200 to $5,000 per plan
  • Up to 5 plans, $5,000 in total
  • Terms of 3 to 24 months, set by amount
  • No application needed
Great for
Travel Bookings Tech Upgrades Furniture & Home

Plan Details at a Glance

DetailSplit Your PaymentsPlan Your Purchase
Plans at one timeUp to 3Up to 5
Total for this kind of plan$2,500$5,000
Smallest plan$100$200
Largest plan$2,500$5,000
Fixed APR15.00%17.00%
All plans combinedUp to 8 plans and $5,000 in total, across both kinds

Term Length by Amount

Split Your Payments

  • $100 to $500: 3 or 6 months
  • $501 to $1,000: 3, 6, or 9 months
  • $1,001 to $2,500: 3, 6, 9, or 12 months

Plan Your Purchase

  • $200 to $1,000: 3, 6, or 9 months
  • $1,100 to $1,500: 3, 6, 9, or 12 months
  • $1,600 to $2,500: 3, 6, 9, 12, or 18 months
  • $2,600 to $5,000: 3, 6, 9, 12, 18, or 24 months

Up to 8 plans can be active at once (3 Split Your Payments and 5 Plan Your Purchase), with $5,000 in total across all of them. All loans are subject to approval.

Simple Process

How It Works

No paperwork, no credit check, no waiting. Your offers are already in Online Banking.

1

Log In

Open ACU Online Banking or the mobile app and check your dashboard for pre-qualified BNPL offers.

2

Choose a Plan

Select Split Your Payments for past purchases, or Plan Your Purchase for upcoming ones.

3

Accept Your Offer

Pick your repayment term and confirm. Funds deposit into your account in moments.

4

Manage & Pay

Track your plans and make payments all from one place. Pay off early anytime with no penalty.

Why ACU BNPL

Built Different from Big Tech BNPL

ACU's BNPL lives inside your credit union, not a third-party app. Transparent terms, fixed rates, no surprises.

No Credit Check

Offers are based on your ACU account history, not a credit pull. Your credit score stays untouched.

No Application

Pre-qualified offers show up automatically in your Online Banking. Just review, accept, and go.

No New Accounts

Everything runs through your existing ACU checking and debit card. No separate app, card, or login required.

Fixed Rates

Your APR stays locked for the entire term. 15.00% for Split, 17.00% for Plan. No variable surprises.

All in One Place

Manage every plan from Online Banking or the ACU mobile app. View balances, track payments, pay off early.

Early Payoff

Pay off any BNPL plan ahead of schedule through Online Banking or at a branch. No prepayment penalties.

Eligibility

Who Qualifies

BNPL is available to ACU members with an active checking account and debit card in good standing.

Account Requirements

Offers are based on your average deposits, average daily balances, and how you have repaid loans with ACU. To see pre-qualified BNPL offers in your Online Banking, you'll need:

  • Active ACU checking account with debit card
  • Account open for at least 90 days
  • Account in good standing with no restrictions
  • No more than 8 active plans (3 Split, 5 Plan), $5,000 in total
  • Debit card purchases of $100 to $2,500 (Split)

Transaction Exclusions

Some transaction types aren't eligible for Split Your Payments:

  • ATM withdrawals and cash advances
  • Gas station transactions
  • Lottery and gambling purchases
  • Loan payments (mortgage, auto, credit card)
  • Money transfer services and money orders
  • Fees owed to the Credit Union
Common Questions

Frequently Asked Questions

Yes, ACU's Buy Now, Pay Later is officially classified as a loan product. Your loan agreement will be emailed to you upon acceptance, and the plan is managed entirely within Online Banking.
No credit check is required to receive or accept BNPL offers. Eligibility is based on your average deposits, average daily balances, and how you have repaid loans with ACU, not a credit inquiry.
Yes. You can pay off any BNPL plan early through ACU Online Banking or by visiting a branch location. There are no prepayment penalties.
Up to 8, with $5,000 in total across all of them: as many as 3 Split Your Payments plans (up to $2,500 of the total) and as many as 5 Plan Your Purchase plans. Keep in mind that having active plans may affect your eligibility for additional offers until current ones are paid down.
Once you accept an offer, funds typically deposit into your account in moments. In some cases, it may take up to 24 hours.
No. BNPL is built directly into ACU Online Banking and the ACU mobile app. No separate app, card, or account needed.

Ready to Split or
Plan a Purchase?

Log in to ACU Online Banking to see your pre-qualified offers. No application, no credit check.

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