Your purchase. Your timeline.
Life doesn't always happen on a perfect schedule. Our Buy Now, Pay Later (BNPL) program can help you make the purchases you need while staying in control of your budget.
We offer two types of BNPL services for eligible members with a RiverLand Checking Account. Whether you're preparing for a big purchase or want some breathing room after a recent one, we've got you covered.
Choose the one that works for you!
Plan Your Purchase
Need money before you buy?
This offer is for members who want funds upfront to make a purchase and pay in predictable installments over time.
Split Your Payments
Already made your purchase?
This offer is for members who want the flexibility to split eligible debit card purchases into more manageable payments.
Your offers are pre-qualified!
To find out if you have a BNPL offer, simply log in to Online Banking or your RiverLand FCU Mobile App and locate "Buy Now, Pay Later" in the main menu. Review your available BNPL offers and choose the repayment terms that work for you. You will receive your funds in your account in moments.*
- No credit check.
- No application. Your offers are tailored for you and are pre-qualified. Simply view and accept to proceed.
- No new cards or accounts. Continue using your existing RiverLand Checking account and debit card when accessing offers.
- Everything in your online banking. Review and manage your BNPL offers, plans, and payments in one place.
Simple. Fast. Built Around You.
Want access to Buy Now, Pay Later?
Here are a few ways to get started.
Open a Checking Account
Apply Today
Already have a RiverLand Checking? No new accounts or cards are needed.
Keep Your Account Funded
Active accounts with regular deposits are more likely to qualify.
Register for Online Banking
Already have it? Just log in and look for the "Buy Now, Pay Later" tab.
Log in to Online Banking or the RiverLand FCU Mobile App to view your available offers today.
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Not a member? No problem. Join Today
Frequently Asked Questions
BNPL offers are found in Online Banking or your Mobile App under the "Buy Now, Pay Later" tab.
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.
There is no application for a BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your 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 BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
No, our BNPL offering does not require a credit check.
Yes. You can pay off your BNPL plans early within Online/Mobile Banking or at a branch.
A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is at least $80 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.
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.
*Funds are typically deposited within minutes, but they could take up to 24 hours.