Buy Now, Pay Later
Flexible Payments to Meet Your Needs
Whether you're planning a purchase or splitting up a recent one, Buy Now, Pay Later helps you manage your cash flow and budget with ease — no credit check or application required.
Get funds upfront to make a purchase and pay in installments over time.
Spread the cost of eligible debit card purchases over fixed monthly payments.
Log In or Download Our App
Navigate to the “Buy Now, Pay Later” tab in the Ascend Mobile App and choose “Split Your Payments” or “Plan Your Purchase.”
- Where can I find my Buy Now, Pay Later offers?
Buy Now, Pay Later offers are found in the Ascend Mobile App in the "Buy Now, Pay Later" tab.
- Is there an application for Buy Now, Pay Later?
No. There is no application to use the Buy Now, Pay Later feature in the Ascend Mobile App. All Split Your Payment and Plan Your Purchase offers found within your account 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 Buy Now, Pay Later offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
- Does Buy Now, Pay Later require a credit check?
No, Ascend Federal Credit Union’s Buy Now, Pay Later offering does not require a credit check or application.
- Can I pay off my Buy Now, Pay Later plans early?
Yes. You can pay off your Buy Now, Pay Later plan early in the Ascend Mobile App or in-person at a branch.
- Why can't I see any Buy Now, Pay Later offers?
If you do not see any Buy Now, Pay Later offers, this may be because your current account status is not eligible for Buy Now, Pay Later. If you already have active Buy Now, Pay Later plans, you may not be eligible for additional offers until the active plans are paid back.
If you are eligible for Plan Your Purchase offers but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for Buy Now, Pay Later.
- What makes a purchase eligible for Split Your Payment offers?
A purchase eligible for Split Your Payments offers 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 Buy Now, Pay Later eligibility.
- Does my use of Plan Your Purchase offers impact the Split Your Payments” offers available to me?
Yes. Your eligibility for Buy Now, Pay Later 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 Payment offers you are eligible for, and vice versa.
Don't see the question you're looking for?
All loans are subject to approval. Eligibility requirements may apply. Rates are subject to change at any time.