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    Buy Now, Pay Later

    Buy Now, Pay Later (BNPL) from Eagle Community Credit Union

    Flex your budget. Pay your way.  

    Buy Now, Pay Later (BNPL) from Eagle Community Credit Union offers two types of services available to eligible members with an Eagle Checking Account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, BNPL from Eagle Community CU can help manage your cash flow and stay within your 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 installments over time. 

     
    To access your BNPL offers from Eagle Community Credit Union, simply log into digital banking and locate “Buy Now, Pay Later”. View and accept your available BNPL offers in seconds, and accept the repayment terms that work for you. You will receive your funds in your account in moments. 
     

    You’re already qualified. 

    • No credit check.  

    • No application. Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept to proceed. 

    • No new cards and accounts. Continue using your existing Eagle checking account and debit card when accessing BNPL offers. 

    • Everything in your online banking. Review and manage your BNPL offers, plans, and payments in one place. 
       

     

    Frequently Asked Questions 

    Buy Now, Pay Later

    Plan Your Purchase
    Where can I find my BNPL offers?  
    BNPL offers are found in Eagle Community Credit Union’s Online Banking from the "Buy Now, Pay Later" tab.      		 If you are eligible for Plan Your Purchase but do not see Split Your Payments offers, this may be because you do not have recent debit card purchases that are eligible for BNPL.
    How do I apply for a BNPL loan? 
    There is no application for an Eagle Community Credit Union BNPL loan. All Split Your Payments and Plan Your Purchase BNPL offers found within Online Banking are pre-qualified for you to view and accept. You will receive a summary of the loan details in your email.     		 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.  
    How soon will I see my purchase amount deposited back into my account? 
    After you have accepted an Eagle Community Credit Union BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, this can take up to 24 hours.    		 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 the Split Your Payments offers you are eligible for, and vice versa. 
    Does BNPL require a credit check?  
    No, Eagle Community Credit Union's BNPL offering does not require a credit check.     		  
    Can I pay off my BNPL plans early? 
    Yes. You can pay off your BNPL plans early without penalty    		  
    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.     		  
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