Buy Now, Pay Later

Extra funds, fast.

Flex your budget. Pay your way.

Buy Now, Pay Later from OnPath offers two types of services available to eligible members. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later from OnPath 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 OnPath, simply log into digital banking 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 OnPath checking account and debit card when accessing offers.
Everything in your online banking. Review and manage your BNPL offers, plans, and payments in one place.

FAQs

Where can I find my BNPL offers?

BNPL offers are found in OnPath Credit Union’s Digital Banking from the "Buy Now, Pay Later" tab.

How do I apply for a BNPL loan?

There is no application for an OnPath Credit Union BNPL loan. All Split Your Payment and Plan Your Purchase BNPL 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 BNPL require a credit check?

No, OnPath'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 within your OnPath Online Banking or at a branch.

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 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 $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 how many Split Your Payments offers they are eligible for, and vice versa.

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Buy Now, Pay Later

Extra funds, fast.

Flex your budget. Pay your way.

Plan Your Purchase

Split Your Payments

You’re already qualified.

FAQs

You know the why, we know the way.

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