buy now pay later

Buy what you want now, pay it off later.

Spread the cost of your debit card purchase over fixed monthly payments. There's nothing to sign up for. Log in to Digital Banking to see your eligible purchases.

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Digital Wallet, black

Simple monthly payments with no hidden fees

Split your purchases into 3, 6, or 9 monthly payments.

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Take up to 60 days to decide

Unlike other buy now, pay later services, you have up to 60 days to decide if you'd like to split up a purchase.

Low interest rates

Popular payment plans have rates up to 36% APR.skip to disclosure With our plans, you'll never pay more than 14.99% APR.1skip to disclosure

How it works

Buy Now, Pay Later My Offers Screenshot

Use your debit card

Make a purchase using your DuPage Credit Union debit card, then head to the Buy Now, Pay Later tab in Digital Banking.

Buy Now, Pay Later Payment Plan Screenshot

Select your payment plan

Within 60 days, log in to Digital Banking or the mobile app and select Buy Now, Pay Later. Select the purchase and payment plan.

Buy Now, Pay Later Congratulations Screenshot

Complete your payment

Follow the steps to complete your plan. If you selected Autopay, your payments will be automatically withdrawn.

Simple payment plan options

Purchase Amount Term Options APR1skip to disclosure
$100 - $5003 Months10.99%
$501 - $1,0003 or 6 Months12.99%
$1,001 - $2,5003, 6, or 9 Months14.99%
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Frequently asked questions

When an eligible Buy Now, Pay Later 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.

Buy Now, Pay Later 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, 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.

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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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  • Buy Now, Pay Later APR = Annual Percentage Rate. Rates and Offers are subject to change without notice. Any eligible Buy Now, Pay Later (BNPL) Offer will be visible in the primary’s Digital Banking ‘Buy Now, Pay Later’ tab. Only eligible Offers actively appearing on the ‘Buy Now, Pay Later’ tab qualify, and an Offer may not be available for the full 60-day timeline. An eligible Offer may appear on the BNPL tab within one business day from the transaction post date. To be eligible for a BNPL Offer, a qualifying purchase must be made with the primary member’s debit card in an amount between $100.00 -$2,500.00. Offers will expire after 60 days of purchase, or at any time prior to the 60 days if other qualifications are not maintained. Cash equivalent purchases (e.g., ATM withdrawal, money order, cash advance, etc.) are not eligible for BNPL. Terms and rates vary based on purchase amount and term selected. Payment Examples: 10.99% APR for 3 months per $100.00 financed, $33.95; 12.99% APR for 6 months per $501.00 financed, $86.69; 14.99% APR for 9 months per $1,001.00 financed, $118.28. 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.

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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 $1,000 financed (9.49% APR/24 mo, $45.91; 10.49% APR/36 mo, $32.50; 11.49% APR/48 mo, $26.08; 13.49% APR/60 mo, $23.00).

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