Available under the Buy Now, Pay Later tab in Digital Banking, Plan Your Purchase allows you to receive up to $5,000 instantly—no credit check required. Take up to 24 months to pay back your fixed-rate installment loan.
| Purchase Amount | Term Options | APR1skip to disclosure |
|---|---|---|
| $200–$500 | 3, 6, or 9 Months | 16.99% |
| $501–$1,500 | 6, 9 or 12 Months | 16.99% |
| $1,501–$2,500 | 9, 12, or 18 Months | 16.99% |
| $2,501–$5,000 | 12, 18, or 24 Months | 16.99% |
What’s the difference between Plan Your Purchase and Split Your Payments?
With the addition of Plan Your Purchase, you now have two money-saving installment payment options in Digital Banking:
- Plan Your Purchase is for debit card purchases you plan to make.
- Split Your Payments is for debit card purchases you’ve already made. Previously, this option was simply referred to as Buy Now, Pay Later.
With Split Your Payments you can take up to 60 days from the date of purchase to decide whether to split a debit card purchase. Choose a 3-, 6-, or 9-month term at a fixed rate.1skip to disclosure
| Purchase Amount | Term Options | APR1skip to disclosure |
|---|---|---|
| $100–$500 | 3 Months | 14.99% |
| $501–$1,000 | 3 or 6 Months | 14.99% |
| $1,001–$2,500 | 3, 6, or 9 Months | 14.99% |
What can I use Plan Your Purchase and Split Your Payments for?
Whether you’re planning a future purchase or splitting up a recent one, either option can be a smart financial decision to afford anything from basic necessities to vacations.
For members looking for a longer-term loan with loan amounts up to $50,000, we recommend a personal loan.
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APR = Annual Percentage Rate. Eligible offers will be displayed under the primary account holder’s “Buy Now, Pay Later” tab in Digital Banking. All offers may be discontinued at any time and only offers currently in the tab are considered valid. Rates and offers are subject to change without notice. You must be the primary member on the DuPage Credit Union account and 18 years of age or older to qualify. Must have a Credit Union membership established and be in good standing. Other restrictions and qualifications apply. Split Your Payments. To be eligible for a Split Your Payments offer, a qualifying purchase must be made with the primary member’s debit card in an amount between $100.00 – $2,500.00. Terms and rates vary based on purchase amount and term selected. Eligible offers will be displayed within one business day of the transaction posting. Offers will expire after 60 days of purchase or at any time prior to the 60 days if other qualifications are not maintained. Payment Examples: 14.99% APR for 3 months per $100 financed, $34.17; 14.99% APR for 6 months per $501 financed, $87.19; 14.99% APR for 9 months per $1,001 financed, $118.28. Cash equivalent purchases (e.g., ATM withdrawal, money order, cash advance, etc.) are not eligible. Plan Your Purchase. To be eligible for a Plan Your Purchase offer, the primary member must have an open DuPage Credit Union checking account. Payment Examples: 16.99% APR for 9 months per $200 financed, $23.82; 16.99% APR for 12 months per $501 financed, $45.69; 16.99% APR for 18 months per $1,501 financed, $95.05; 16.99% APR for 24 months per $2,501 financed, $123.64.
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