First Source Credit Union
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Buy Now, Pay Later (BNPL) Loan

More ways to pay. More flexibility for you!

A Buy Now, Pay Later (BNPL) Loan is a convenient way to manage purchases and unexpected expenses. With flexible options and no credit check, you can access funds when you need them and make payments over time.

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Plan Your Purchase Option

Plan Your Purchase allows you to get funds deposited directly into your checking account in advance, which you can pay back in installments over time.

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Split Your Payments Option

In some cases, you may have made a debit card purchase you weren’t planning for. Split Your Payments offers reimbursement of those funds back into your checking account, which you can then pay back over time.

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More Flexibility. More Control.

  • New ways to manage your money
  • Flex your budget to work for you
  • Pay your way
  • No credit check
  • No application

Frequently Asked Questions

Where can I find my qualifying Buy Now, Pay Later (BNPL) options?

BNPL qualifying options can be found in Online & Mobile Banking under Loan Options.

How do I apply for upfront BNPL funding?

There is no application for a First Source BNPL loan. All Split Your Payment and Plan Your Purchase BNPL options found within your Online & Mobile 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 a First Source BNPL offer, your purchase amount will be deposited into your account within 24 hours.

Does BNPL require a credit check?

No, First Source’s BNPL does not require a credit check.

Can I pay off my BNPL plan early?

Yes. You can pay off your BNPL plan early within Online & Mobile Banking or at any branch.

Why can’t I see any BNPL options?

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 $80 and was not a cash equivalent purchase (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. 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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Live Smarter

Ready for more flexibility with your budget? Explore your Buy Now, Pay Later options and find a payment plan that works for you.

Apply Now

Have questions about Buy Now, Pay Later or need help getting started? We’re here to help. Call 315-735-8571 to discuss your rate and term options, or schedule an appointment with one of our friendly and knowledgeable representatives.

Make An Appointment

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.