Buy Now Pay Later

Buy Now, Pay Later

is available at Kohler Credit Union!

Flex your budget. Pay your way.

Buy Now, Pay Later (BNPL) 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 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.

Buy Now, Pay Later can help you finance things like: 

Icon Airplane

Travel & Vacation

Icon TV

Appliances & Electronics

Icon Repairs

Vehicle & Home Repairs

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Unexpected Expenses

BNPL Phone

How it works – no credit check, no application. 

  • Log in to your KCU digital banking and select Buy Now, Pay Later from your dashboard or under Services in the menu.
  • Choose Split Your Payments or Plan Your Purchase.
  • View and accept pre-qualified offers.
  • Select the repayment terms that work for you.
  • Receive your funds in your account.

BNPL (Buy Now, Pay Later) FAQ

BNPL(Buy Now, Pay Later) offers are found in Kohler Credit Union’s Digital Banking dashboard, or under Services in the menu.

There is no application for a Kohler Credit Union BNPL loan. All BNPL offers found within your digital banking are pre-qualified for you to view and accept.

After you have accepted a BNPL (Buy Now, Pay Later) offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

If you do not see any BNPL (Buy Now, Pay Later) 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.

A purchase eligible for Split Your Payments offer is a debit card purchase made in the past 60 days that is at least $80 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, the limit will depend on the individual member’s mix of active plans, with additional eligibility shown on the offers page.

No, Kohler Credit Union’s BNPL offering does not require a credit check.