Buy now,pay later
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Buy Now. Pay Later.

Get extra funds fast for your purchases and spread those payments over time. No credit check. No application. See your offer in online banking.

Flex your budget. Pay your way.

Buy Now, Pay Later (BNPL) offers more ways to pay for eligible members with a Straight4ward Rewards Checking account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later can help manage your cash flow and keep you in budget. 

  • Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.
  • Split Your Payments offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in instalments over time.
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  • No credit check.
  • No application. Your offers are tailored to you and your prequalified. Simply view and accept to proceed.
  • No new cards and accounts. Continue using your existing checking account when accessing your offers.
  • Everything is in your online banking. Review and manage your offers, plans, and payments all in one place.

Frequently Asked Questions

Where can I find my BNPL offers?

You can find your Buy Now, Pay Later offers in online banking under the Buy Now, Pay Later tab.

How do I apply for a BNPL loan?

There is no application for a 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 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, BNPL offerings do not require a credit check.
Can I pay off my BNPL plans early?
Yes. You can pay off your BNPL plans early within your online banking or by visiting 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.
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