Buy Now, Pay Later

Shop with your debit card.
Split payments over time.*

Shop and pay your way.

  • Decide which purchases you would like to split
  • Select an installment plan that works for you and your budget
  • View and accept plans from your digital banking app
  • Get your purchase amount deposited back to you within 24 hours
  • Make your budget work for you

Manage everything in one place.

  • See your current BNPL offers in your banking app
  • Review and manage all active plans
  • See your installment plan history

Frequently asked questions.

BNPL offers are found in Suffolk CU's Online Banking from the "Buy Now, Pay Later" section found under the "Pay & Transfer" menu.

If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are 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. 

An eligible purchase is a debit card purchase made in the past 30 days that is at least $200 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.  

No, Suffolk CU 's debit card BNPL offering does not require a credit check.

Repayment Terms and Conditions

Buy Now, Pay Later (BNPL) has a 15% Annual Percentage Rate on a maximum combined 3 BNPL plans, minimum $200 to maximum $2500. Terms of 3, 6 or 9 months.  Repayment example:  $1000 BNPL plan for 6 months = $174.03 per month.  Late fee $25.  Other terms and conditions apply.

Check for Offers

Made a recent debit purchase? Login to Online Banking and see if you qualify for BNPL!

*Not all purchases will qualify. All offers subject to approval.