Buy Now, Pay Later | Associated Credit Union of Texas

Frequently Asked Questions

Where can I find my BNPL offers?

BNPL offers are found in ACU of Texas 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 (hamburger) icon.

How do I apply for a BNPL loan?

There is no application for an ACU of Texas BNPL loan. All Split Your Payments and Plan Your Purchase BNPL offers found within Online Banking are pre-qualified for you to view and accept. You will receive a summary of the loan details.

How soon will I see my purchase amount deposited back into my account?

After you have accepted an ACU of Texas BNPL offer, your purchase amount will be deposited into your account. In some cases, this can take up to 24 hours.

Does BNPL require a credit check?

No, ACU of Texas' BNPL offering does not require a credit check.

Can I pay off my BNPL plans early?

Yes. You can pay off your BNPL plans early without penalty.

Why can't I see any BNPL offers?

If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are 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.

If you are eligible for Plan Your Purchase but do not see Split Your Payments offers, this may be because you do not have recent debit card purchases that are eligible for BNPL.

What makes a purchase eligible for Split Your Payments offers?

A purchase eligible for Split Your Payments 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 BNPL eligibility.

Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?

Yes. Your eligibility for BNPL offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact the Split Your Payments offers you are eligible for, and vice versa.

Subject to credit approval and member eligibility. Buy Now, Pay Later (BNPL) requires an ACU of Texas debit card affiliated with an ACU of Texas checking account and point of sale purchase(s). BNPL is a personal loan based on eligible point of sale purchases.