Buy Now, Pay Later

Flex your budget. Pay your way.

Buy Now, Pay Later from SunWest Credit Union offers two types of services available to eligible members. Whether you are planning a purchase or looking to spread out payments for something you’ve already purchased, SunWest’s Buy Now, Pay Later can help manage your cash flow and stay within your budget.

  1. Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan installments over time.
  2. Split Your Payments offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over a period of time.

To find your BNPL offers, simply log into digital banking on your mobile device and locate “Buy Now, Pay Later.” View and accept your available offers in seconds and accept the repayment terms that work best for you. You will receive your funds in a matter of moments! You’re already qualified. Benefits of Buy Now, Pay Later:
  • No credit check
  • No application. BNPL offers are tailored for you and are pre-qualified. Simply view and accept to proceed.
  • No new cards or accounts are needed. Continue using your existing SunWest checking account and debit card when accessing offers.
  • Easy access. View all offers in your online banking.


Frequently Asked Questions

  • Where can I find my BNPL offers?

    • BNPL offers are found in SunWest Credit Union’s Digital Banking app, located in the “Buy Now, Pay Later” tab.

  • How do I apply for a BNPL loan?

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

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

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

  • Does BNPL require a credit check?

    • No credit check is needed for a SunWest BNPL offering!

  • Can I pay off my BNPL plans early?

    • Yes, you can pay off your BNPL plans early within your Online Banking app or at a branch.

  • Why can’t I see any BNPL offers?

    • If you don’t see any BNPL offers in your mobile app, it 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.

  • What makes a purchase eligible for Split Your Payment 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 (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 how many Split Your Payments offers they are eligible for, and vice versa.