Buy Now, Pay Later
Buy Now, Pay Later — the UMe Way
Buy Now, Pay Later from UMe Credit Union gives eligible members with a UMe checking account flexible ways to spread out payments — without the stress.
Whether you’re planning ahead or need a little breathing room after a purchase, BNPL helps you manage cash flow, stay on budget, and keep life moving comfortably.
Choose the option that works best for U:
Plan Your Purchase
Need funds upfront? Plan Your Purchase lets you make a debit card purchase and pay it back over time with easy, predictable installments.
Split Your Payments
Already made a purchase? Split Your Payments allows you to break eligible debit card purchases into manageable payments after the fact.
Getting started is simple. Just log into UMe online banking or sign in to the UMe mobile app and look for the Buy Now, Pay Later section. You’ll see any available offers in seconds, choose the repayment terms that work best for U, and receive funds directly into your checking account — fast and hassle-free.
Offers Appear Automatically
No credit check.
There’s nothing to apply for. If you’re eligible, your Buy Now, Pay Later offers are already personalized for U — just review and accept to get started.
No new cards or account numbers.
Keep using your existing UMe checking account and debit card. No extra plastic. No added hassle.
Everything in one place.
View, accept, and manage your Buy Now, Pay Later offers, plans, and payments — all right inside the UMe mobile app or online banking.
Buy Now, Pay Later FAQs
Your BNPL offers are found in the UMe Mobile App and Online Banking system, within the “Buy Now, Pay Later” tab.
There is no application for a UMe BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within the UMe Mobile App and Online 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 a UMe BNPL offer, your purchase amount will be deposited into your checking account in moments. In some cases, it can take up to 24 hours.
No, UMe BNPL does not require a credit check. As long as payments are made on time, BNPL activity is not reported to the credit bureaus.
Yes, you can pay off your BNPL plans early within the UMe Mobile App and Online Banking or in person at the 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 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 UMe BNPL eligibility.
Yes, your eligibility for UMe BNPL offers is partly determined by the number of outstanding loans you have that are active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers you are eligible for, and vice versa.
Yes. BNPL payments include a 7-day grace period. If payment is not received by the end of that period, a $25 late payment fee will apply.
Need to send a secure email? Log in to UMe online banking, click the envelope icon and use the secure email method provided. Please do not send any personal or account-specific information using the email address above.