Same Debit Card, More Flexible Payments

• Use your debit card whenever and wherever you shop
• Manage your budget by spreading larger expenses over time
• Review and manage all plans, offers and payments in one place

Getting Started

• Make purchases with your debit card
• Check for Buy Now, Pay Later options under the My Loans tab in online and mobile banking
• View available offers on eligible purchases
• Decide which purchases you would like to split over time
• Select the installment plan that works for you
• See your purchase amount deposited back into your account within 24 hours

Frequently Asked Questions

Where can I find my Buy Now, Pay Later offers? 

Buy Now, Pay Later offers are found in APCU/Center Parc’s online banking from the Buy Now, Pay Later tab. From the Mobile App, you can find Buy Now, Pay Later when you click on the Menu icon.

Why can’t I see any Buy Now, Pay Later offers? 

If you do not see any Buy Now, Pay Later offers, this may be because your current account status or your recent debit card purchases are not eligible for Buy Now, Pay Later. If you already have active Buy Now, Pay Later plans, you may not be eligible for additional offers until the active plans are paid back. Buy Now, Pay Later offers are for the Primary Member only.

What is an eligible purchase?

 An eligible purchase 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 Buy Now, Pay Later eligibility. 

Does Buy Now, Pay Later require a credit check? 

No, APCU/Center Parc’s debit card Buy Now, Pay Later offering does not require a credit check.