Flex Your Budget. Pay Your Way.
Buy Now, Pay Later (BNPL) from North Star CCU offers two types of services available to eligible members with a Payment Checking account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later can help you manage your cash flow and stay within 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 North Star CCU, simply log into Anytime Online 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 North Star CCU Checking account and debit card when accessing offers.
- Everything in your online account. Review and manage your BNPL offers, plans, and payments in one place from Anytime Online or the mobile app.
Frequently Asked Questions
BNPL offers are found in North Star Community Credit Union’s Anytime Online, from the "Buy Now, Pay Later" tab.
There is no application for a BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your Online Account are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.
After you have accepted a BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
No, NSCCU's BNPL offering does not require a credit check.
Yes. You can pay off your BNPL plans early within Anytime Online or at a branch.
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.
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.
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 how many Split Your Payments offers they are eligible for, and vice versa.
