Buy Now, Pay Later

Flex your budget. Pay your way.

Buy Now, Pay Later (BNPL) from Century Federal Credit Union offers two types of services available to eligible members with a Free Checking Account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, BNPL from CFCU 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 CFCU, simply log into online banking and locate “Debit 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.

Log In

You’re already qualified.

No credit check.
No cost to apply.
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 CFCU free 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.

Buy Now, Pay Later FAQs

Where can I find my BNPL offers?

BNPL offers are found in Century Federal Credit Union’s Online Banking from the "Debit Buy Now, Pay Later" tab.

How do I apply for a BNPL loan?

There is no application for a Century Federal 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.

How soon will I see my purchase amount deposited back into my account?

After you have accepted a Century Federal 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 BNPL require a credit check?

No, Century Federal 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.

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.

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.

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.

If you have any questions or need further assistance, our dedicated team is here to help. Reach out to us via email at memberservice@cenfedcu.org or give us a call at 216-535-3200. We're always ready to support you on your educational journey.

The terms and conditions for both the Buy Now Pay Later and Plan Your Purchases programs vary based on the specific plan selected. Key details, including interest rates, fees, and repayment schedules, will be disclosed at the time of enrollment.

It is important to review all program details carefully before committing to ensure you understand the full terms, including any applicable interest rates, fees, or charges for late or missed payments. Programs may offer interest-free options if payments are made on time and within the agreed-upon terms. However, additional costs may be incurred if payments are delinquent or if the balance is not paid in full by the end of the promotional period.

For more information or if you have any questions, please don’t hesitate to contact us. We’re here to help you make the most of your financial options.