Coming Soon - December 1

Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a smart, easy way to manage spending without sacrificing peace of mind.

No credit check. No application.

BNPL features you'll use:

  • Fast funding to cover important purchases
  • No new account or card needed
  • Manage everything in Digital Banking
  • Split your payments

BNPL benefits you'll love:

  • Plan your spending and stay on budget with everything in one place
  • Convenient and simple in Digital Banking
  • More flexibility, more control with spreading out costs
  • Reduce financial stress with a transparent, easy-to-use solution

Two Flexible Payment Options

Whether you’re planning a big purchase or need to spread out payments on something you’ve already bought, BNPL from Advia makes it easy to manage your cash flow without stress.

Debit Card Icon

Plan Your Purchase

Allows you to pre-plan your future purchase to be paid over time in smaller split increments.

Access in Digital Banking

Debit Card Icon

Split Your Payments

We'll alert you when a recent debit card purchase qualifies for split payments to be applied.

Access in Digital Banking

How BNPL Works

You can split eligible purchases into installments directly from your existing Advia account. No third-party apps, no complicated processes— just a seamless experience through Digital Banking. You can even convert recent transactions into installments or access additional funds for necessary purchases.

  • No credit check.
  • No application.
  • Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept in Digital Banking.

Access in Digital Banking

No New Cards or Accounts Needed

Your offers await in Digital Banking. Review and manage your BNPL offers, plans, and payments in one place.

Digital Banking

FAQs about Buy Now, Pay Later

BNPL offers are found in Advia’s Digital Banking under 'Menu' and then 'Buy Now, Pay Later'.

There is no application needed. All Split Your Payment and Plan Your Purchase BNPL offers found within Digital Banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.

After you have accepted an Advia BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

No credit check required.

Yes. You can pay off your BNPL plans early within Advia's Digital Banking or at a branch.

If you do not see any BNPL 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.

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

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 merchant type and transaction limit restrictions may affect BNPL eligibility.

Yes, your eligibility for various BNPL offers is partly determined by the number of active loans you already have, including other outstanding Plan Your Purchase or Split Your Payment loans.

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Do you have questions about Buy Now, Pay Later?

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  1. Eligibility for the Buy Now Pay Later program options is subject to qualifying amounts, and existing account relationship(s). Membership account must be in good standing with verifiable deposits. You can only participate in the BNPL program if you receive an offer within Advia’s online banking portal. Must be 18 or older to apply. All offers and rates are subject to change at any time. Advia is an Equal Opportunity Lender.