split your payments
For purchases you've already made.
Spread the cost of debit card purchases over fixed monthly payments. You can choose from 3, 6, or 9 monthly payments and take up to 60 days from the date of purchase to decide. Log in to Digital Banking to see your eligible purchases.
| 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% |
plan your purchase
For purchases you plan to make.
Receive up to $5,000 instantly—no credit check required—to make purchase(s). Choose from repayment terms ranging from 3 to 24 months. Log in to Digital Banking to get started.
| Loan 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% |
Frequently asked questions
From a computer, log in to Digital Banking and select Buy Now, Pay Later from the menu. On mobile, select More > Buy Now, Pay Later.
When an eligible purchase is made, it is automatically displayed in the Buy Now, Pay Later tab in Digital Banking. Purchases must be a minimum of $100 and a maximum of $2,500 to qualify.
If you have already made a debit card purchase and would like to split one or more purchases into fixed monthly payments, select “Split Your Payment” in Digital Banking.
If you are planning on making a purchase and would like up to $5,000 in funds to do so, select “Plan Your Purchase” in Digital Banking.
Split Your Payments offers will not be available for loan payments (mortgage, auto, credit card, etc.), payments to third-party buy now pay later providers, and cash transactions such as ATM withdrawals.
Yes, you can pay off your plans early in Digital Banking.
Offers expire 60 days after the transaction posting date.
Yes, there is a 10-day grace period after the payment due date where no late fee is charged. After the grace period expires, a $25.00 late fee will be charged. We recommend scheduling automatic payments to avoid any potential late fees.
If you return an item that has been used for a Buy Now, Pay Later plan, the plan will not be affected. You can choose to pay off the plan early or allow the plan to be repaid as scheduled. Your refund for the item will post to your account like it normally would, and you can use that refunded amount to pay off your Buy Now, Pay Later, if you wish.
No, once a payment plan is established, the terms cannot be changed.
No, we do not perform a credit check when determining your eligibility for Buy Now, Pay Later. Additionally, payment plans are not reported to the credit bureaus and so a plan that is created and paid timely does not affect your credit score.
The maximum number of payment plans (to not exceed $2,500 in total purchases) at any one time is 5.
personal loan
Need longer-term financing? Consider a personal loan.
We offer personal loans as low as 9.49% APR.2skip to disclosure Flexible repayment terms from 24 to 60 months with loans from $500 to $50,000.
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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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Personal Loans APR = Annual Percentage Rate. Rates may vary based on creditworthiness. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Does not apply to loans currently financed through DuPage Credit Union. Must be a member in good standing. Payment Example: Personal Loan APR’s are based on term with a monthly payment per $2,500 financed (9.49% APR/24 mo, $114.77; 10.49% APR/36 mo, $81.24; 11.49% APR/48 mo, $65.21; 13.49% APR/60 mo, $57.51). Minimum $50 monthly payment.
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