Same debit card, more flexible payments
Introducing a smarter way to manage your spending with "Buy Now, Pay Later." Now when you use your FPCU debit card to shop, you may be able to spread out larger purchases between $200-$2,000 over time. With easy access through digital banking, you can review all your plans, offers, and payments in one convenient place. Get started today with no credit check and take control of your budget while enjoying the flexibility you deserve!
- Use your debit card to shop whenever and wherever
- Spread larger expenses over time
- Review and manage all plans and payments right in digital banking
Here's how to get started:
- Use your FPCU debit card to shop (purchases between $200-$2,000 may be eligible)
- Check the "Buy Now, Pay Later" option in your digital banking
- View available offers and eligible purchases (not every purchase between $200-$2,000 will qualify)
- Decide the purchase you would like to split over time
- Select the payment plan that works for you
- See your purchase amount deposited back into your account within 24 hours
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You'll both receive $50 when you refer a friend or family member.
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Manage Your Plan + Payments
With easy access through digital banking, you can review your Buy Now, Pay Later plans, offers, and payments in one convenient place.
Where can I find my Buy Now, Pay Later offers?
Buy Now, Pay Later offers are found in digital banking on the left-side menu. Click "Buy Now, Pay Later" and your offers will appear (click the down arrow if they are not appearing). If you do not have offers, it will say that there are no active plans at this moment.
Why can't I see any Buy Now, Pay Later offers?
If you don't see Buy Now, Pay Later offers, this may be because your current account status or recent debit card purchases are not eligible for Buy Now, Pay Later. If you already have an active Buy Now, Pay Later plans, you may not be eligible for additional offers until active plans are paid back.
What is an eligible purchase?
A debit card purchase made in the past 30 days between $200-$2,000 may be eligible for Buy Now, Pay Later. Purchases made with cash or cash equivalent purchases (ATM withdrawal, money order, cash advance, etc.) are not eligible. Other restrictions surrounding the merchant type and transaction limits may affect Buy Now, Pay Later eligibility.
Does Buy Now, Pay Later require a credit check?
No, Buy Now, Pay Later does not require a credit check.
Solutions for every aspect of life
Membership eligibility required. Buy Now, Pay Later loans available for qualified purchases made with your debit card within the last 30 days, ranging from $200 to $2,000. Excludes cash equivalents (ATM withdrawals, money orders, cash advances). Subject to credit approval. Some restrictions apply. See Credit Union for details.