Buy Now, Pay Later

A lady with glasses looking at her cellphone and smiling

How to Use BNPL

Log into Online Banking
Look for “Debit Buy Now, Pay Later”
View your pre‑qualified offers
Choose a repayment plan that fits your budget
Accept the offer — funds appear in moments

It takes seconds. And everything happens inside your existing account.

Why Members Love CFCU BNPL

You’re already qualified

If you’re eligible, you’ll see your offers instantly — no paperwork.

No credit check

BNPL uses your existing checking relationship with us, not your credit score.

No cost to apply

Check offers any time — completely free.

No new cards or accounts

Use your same Century Federal free checking account and debit card.

Everything in one place

View offers, track payments, and manage your plans right inside Online Banking.

Two Ways to Use BNPL

Plan Your Purchase

Plan Your Purchase

Need cash upfront for something you want or need? Get funds instantly and repay over time with predictable installments.

Perfect for:

Travel
Emergencies
Upgrades (tech, appliances, etc.)
Big purchases you want to budget wisely

Split Your Payments

Split Your Payments

Already bought something with your debit card? Turn that single purchase into smaller payments — fast and stress‑free.
Perfect for:

Unexpected expenses
Higher‑than-usual purchases
Budgeting without dipping into savings

Smart. Simple. Designed for Your Life.

BNPL from Century Federal is meant to help you:

Stay on budget
Avoid high‑interest credit cards
Manage cash flow
Pay for life’s moments in a way that works for you

All without leaving the Century Federal Digital Banking experience you already know and trust.

You’re already qualified.

No credit check.
No cost to apply.
No application. Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept to proceed./
No new cards and accounts. Continue using your existing CFCU free checking account and debit card when accessing BNPL offers.
Everything in your online banking. Review and manage your BNPL offers, plans, and payments in one place.

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 the Split Your Payments offers you are eligible for, and vice versa.

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 restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility.

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 Payments offers, this may be because you do not have recent debit card purchases that are eligible for BNPL.

Yes. You can pay off your BNPL plans early without penalty.

No, Century FCU's BNPL offering does not require a credit check.

After you have accepted a Century Federal Credit Union BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, this can take up to 24 hours.

There is no application for a Century Federal Credit Union BNPL loan. All Split Your Payments and Plan Your Purchase BNPL offers found within Online Banking are pre-qualified for you to view and accept. You will receive a summary of the loan details in your email.

BNPL offers are found in Century FCU's Online Banking from the "Debit Buy Now, Pay Later" tab.

If you have any questions or need further assistance, our dedicated team is here to help. Reach out to us via email at memberservice@cenfedcu.org or give us a call at 216-535-3200. We're always ready to support you on your educational journey.

The terms and conditions for both the Buy Now Pay Later and Plan Your Purchases programs vary based on the specific plan selected. Key details, including interest rates, fees, and repayment schedules, will be disclosed at the time of enrollment.

It is important to review all program details carefully before committing to ensure you understand the full terms, including any applicable interest rates, fees, or charges for late or missed payments. Programs may offer interest-free options if payments are made on time and within the agreed-upon terms. However, additional costs may be incurred if payments are delinquent or if the balance is not paid in full by the end of the promotional period.

For more information or if you have any questions, please don’t hesitate to contact us. We’re here to help you make the most of your financial options.