Question 1

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

Accepted Answer

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

Question 2

How do I apply for Buy Now, Pay Later?

Accepted Answer

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.

Question 3

How soon are funds deposited into my account?

Accepted Answer

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.

Question 4

Does Buy Now Pay Later require a credit check?

Accepted Answer

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

Question 5

Can I pay off my Buy Now, Pay Later plan early?

Accepted Answer

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.

Question 6

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

Accepted Answer

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.

Question 7

What makes a purchase eligible for Split Your Payments offers?

Accepted Answer

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.

Question 8

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

Accepted Answer

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.

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:

BNPL benefits you'll love:

Three flexible payment options.

Whether you’re planning a big purchase, spreading out payments on a splurge, or need quick cash between paychecks, Advia BNPL makes it easy to manage your cash flow on your terms without stress.

Plan Your Purchase

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

Split Your Payments

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

Advantage FlexPay

Quickly bridge gaps in income and expenses with short-term cash flow access.

How Buy Now, Pay Later works.

No new cards or accounts needed.

Do you have questions about Buy Now, Pay Later?

Advia Credit Union

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