Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a smart, easy way to manage spending without sacrificing peace of mind. Enjoy flexible payment options designed to give you more control of your finances. From big buys to everyday essentials, shopping just got easier.

No credit check. No application.

BNPL features you'll use:

  • Offers are updated daily to incorporate new debit card purchases
  • No application or credit check and get funds with just a few clicks
  • Two options to choose from; before you make a purchase and after
  • Easy access within digital banking

BNPL benefits you'll love:

  • Choose from a variety of payback plans that fit your budget
  • Transparent pricing with flexible terms
  • Low competitive pricing
  • Automatic payback option to make payments easy

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.

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Plan Your Purchase

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

Access in Digital Banking

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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 Buy Now, Pay Later works.

You can split eligible purchases into installments directly from your existing Advia Credit Union account. No third-party apps, no complicated processes — just a seamless experience through Digital Banking. You can even convert recent transactions into split payments 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.

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

All Split Your Payments 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.

Funds are usually deposited in moments for both Plan Your Purchase and Split Your Payment BNPL offers. In some cases, it can take up to 24 hours.

There is no application or credit check required for Buy Now Pay Later offers.

Yes. You can pay off your BNPL plans early within Advia's Digital Banking or at a branch. There are no fees or penalties for paying plans off early.

If you do not see any BNPL offers, this may be because your account is not eligible for BNPL. There are several factors that go into this decision and we take the entire account relationship into consideration for offers.

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 $75 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.