Flex your budget. Pay your way.
Buy Now, Pay Later from United Heritage Credit Union offers two types of services available to eligible members with a checking account. Whether you are planning a purchase or looking to spread out payments for a purchase you've already made, Buy Now, Pay Later from UHCU can help you 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.
How Does it Work?
You're Already Qualified
Frequently Asked Questions
Does Buy Now, Pay Later require a credit check?
No, UHCU's Buy Now, Pay Later offering does not require a credit check.
What makes a purchase eligible for Split Your Payment 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 Buy Now, Pay Later eligibility.
How do I apply for a Buy Now, Pay Later loan?
There is no application for UHCU's Buy Now, Pay Later loan. All Split Your Payment and Plan Your Purchase 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.
Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?
Yes. Your eligibility for Buy Now, Pay Later offers is determined by the number of outstanding loans you have active. Therefore, taking our Plan Your Purchase loans may impact how many Split Your Payments offers you are eligible for, and vice versa.
How soon will I see my purchase amount deposited back into my account?
After you have accepted a UHCU Buy Now, Pay Later offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
Where can I find my Buy Now, Pay Later offers?
Buy Now, Pay Later offers are found in UHCU's Online Banking from the "Buy Now, Pay Later" tab.
Why can't I see any Buy Now, Pay Later offers?
If you do not see any Buy Now, Pay Later offers, this may be because your current account status is not eligible for Buy Now, Pay Later. If you already have active Buy Now, Pay Later 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 Buy Now, Pay Later.
Can I pay off my Buy Now, Pay Later plans early?
Yes. You can pay off your Buy Now, Pay Later plans early without penalty within UHCU's Online Banking or at a branch.
Membership required. To view your Buy Now, Pay Later terms, login to Online Banking.