Buy Now, Pay Later
Flexible Payments Made Easy
Buy Now, Pay Later
With two smart payment options – Plan Your Purchase and Split Your Payment – you choose how and when you pay. No credit checks, No applications, No extra accounts or cards. Just simple, transparent financing built right into your checking account.
Plan Your Purchase
Offers are available to qualified members with checking accounts who need funds upfront to make a purchase and prefer to repay the loan in installments over time.
Split Your Payment
Offers are available to qualified members who have already made eligible debit card purchases and prefer to pay for those purchases in installments over time.
Buy Now, Pay Later FAQs
You can view your Buy Now, Pay Later offers within Digital Banking.
You may not see offers for a few reasons:
- Your recent debit card purchases may not meet eligibility requirements.
- Your account status or activity may not qualify at this time.
- If you already have active Buy Now, Pay Later plans, you may not receive additional offers until those plans are paid off.
An eligible purchase is:
- A debit card purchase made within the past 60 days
- Between $100 and $1,500
- Not a cash-equivalent transaction (such as ATM withdrawals, money orders, or cash advances)
Additional restrictions may apply based on merchant type and transaction limits.
No. A credit check is not required.
No application is needed. Any Buy Now, Pay Later plans shown in your Digital Banking are pre-qualified and available for you to review and accept.
Funds are typically deposited right away after you accept an offer. In some cases, it may take up to 24 hours.
Yes. You can pay off your plan at any time with no fees or penalties.
Not finding what you’re looking for? Contact us
Disclosures
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Buy Now, Pay Later (BNPL) offers are subject to approval. No application or credit check is required. Members must have an active checking account in good standing, and offers are available only to the primary member on the account. Eligibility is based on the member’s overall relationship with Neches Federal Credit Union. Members may participate only if they receive an offer within digital banking. Accounts must be open for at least 60 days, and members must be at least 18 years of age to be considered. Debit card purchases may qualify when they are recent, fall within the approved dollar amount range, and are made at eligible merchant category types. Eligible purchases must be greater than $100 and not exceed $1,500. Members may have multiple active BNPL plans at a time, with a combined outstanding balance not to exceed $1,500. Loan payments, payments to third party BNPL providers, and cash transactions do not qualify. Repayment terms of 3, 6, 9, or 12 months are available based on the purchase amount. Each plan carries a fixed 16.50% APR.