Buy Now, Pay Later
When Life Happens, We're Here to Help
Unexpected expenses happen – and we get that. That is why we are here to help! Whether you're replacing a broken appliance, repairing your vehicle, or simply making a large purchase, MountainCrest Credit Union's Buy Now, Pay Later program gives you the flexibility to pay over time!
No credit check is required, but when you make your payments on time, your payment history is reported, giving you the opportunity to build and strengthen your credit while managing your finances responsibly.
We offer two types of programs: Buy Now, Pay Later and Plan Your Purchase. With Buy Now, Pay Later, you make your purchase first and reimburse your account afterward. With Plan Your Purchase, you receive the funds in advance so you can make your purchase when you're ready.
Rates
Use the Debit Card You Already Have
Shop anywhere your MountainCrest Credit Union debit card is accepted—there's no need to apply for a new card.
Easy to Manage
View available offers, select your payment plan, and manage your Buy Now, Pay Later plans in one convenient place through our Online Banking or Mobile App.
Budget with Confidence
Split larger purchases into smaller, manageable payments that fit your monthly budget.
Build Your Credit
Make your payments on time and build a positive credit history through payment reporting, helping you work toward your financial goals.
Getting started is simple – no application needed!
1. Shop as You Normally Would
Use your MountainCrest Credit Union debit card to make eligible purchases.
2. Check for Offers
Log into our Online Banking or Mobile App to view available Buy Now, Pay Later offers on the left hand side.
3. Choose Your Purchase
Select the eligible purchase you'd like to convert into an installment plan or select the purchase amount that you will need.
4. Pick the Repayment Plan That Fits You
Choose the repayment option that works best for your budget.
5. Get Reimbursed
With Buy Now, Pay Later, your purchase amount is deposited back into your account within 24 hours, giving you quick access to your funds. Or with Plan Your Purchase, the funds are deposited into your account in advance, so you have the money you need before making your purchase.
In Online Banking, select the Buy Now, Pay Later tab.
In the Mobile App, tap the Menu icon and select Buy Now, Pay Later.
Why don't I see any buy now, pay later offers?
Offers are based on eligibility. You may not have available offers if:
- Your current account status isn't eligible.
- You haven’t been a member for 90 days.
- Your recent debit card purchases don't qualify.
- You currently have active Buy Now, Pay Later plans and may need to pay them down before additional offers become available.
Eligible purchases include:
- Debit card purchases made within the last 60 days
- Purchases of $100 or more
The following purchases are not eligible:
- ATM withdrawals
- Cash advances
- Money orders
- Other cash or cash-equivalent transactions
Additional merchant restrictions and transaction limits may apply.
Does Buy Now, Pay Later require a credit check?
No. There is no hard credit check required to receive Buy Now, Pay Later offers, so checking your eligibility won't affect your credit score.
Can Buy Now, Pay Later help build my credit?
Yes. Your Buy Now, Pay Later payment history is reported to the credit bureaus. Making your payments on time can help you build a positive credit history and strengthen your credit profile over time.
