Buy Now, Pay Later

Kohler Credit Union’s Buy Now, Pay Later (BNPL) offer gives eligible members a flexible way to split purchases into smaller installment payments over time. 

View Offers in Digital Banking

Flex Your Budget. Pay Your Way.

Members can either finance a planned purchase upfront or convert eligible recent debit card purchases into manageable payments directly through Kohler Credit Union’s digital banking platform. The service features pre-qualified offers with no application or credit check required, helping members better manage cash flow while staying within budget.

Membership Comes with More

Eligible members can take advantage of flexible Buy Now, Pay Later (BNPL) options designed to help make purchases more manageable. Whether you're planning ahead or paying over time for a recent purchase, BNPL helps you stay on track with your budget.
Open Checking Account
Digital Banking

Choose How You Pay

Plan Your Purchase

Plan Your Purchase helps eligible members pay for purchases over time with flexible installment payments designed to support everyday budgeting and cash flow.

Split Your Payments

Split Your Payments gives eligible members the flexibility to turn qualifying debit card purchases into manageable installment payments over time.

Buy Now, Pay Later Process

Step 1

Confirm Eligibility

Log in to your KCU digital banking and select Buy Now, Pay Later from your dashboard or under Services in the menu.

Step 2

Choose Your Plan

Choose Plan Your Purchase or Split Your Payments to view pre-qualified offers.

  • Plan Your Purchase
  • Split Your Payments
Step 3

Select Your Repayment Terms

Select the repayment terms that work for you and receive your funds in your account.

Buy Now, Pay Later

Frequently Asked Questions

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Contact KCU

Your BNPL offers can be found within Kohler Credit Union Digital Banking. Available offers will appear on your dashboard or under the “Services” section in the menu, where you can review eligible purchases and select a payment plan that fits your needs.

There’s no application required for a Kohler Credit Union BNPL loan. Eligible offers are pre-qualified and available directly within Digital Banking, making it easy to review and accept a payment plan that works for you.

After accepting a BNPL offer, your purchase amount is typically deposited back into your account within moments. In some cases, it may take up to 24 hours for the funds to become available.

If you do not see any BNPL offers in Digital Banking, your account may not currently meet eligibility requirements. Members with active BNPL payment plans may also need to pay down existing balances before new offers become available. Eligibility and available offers can vary based on account status and qualifying factors.

Eligible purchases for the Split Your Payments feature include debit card purchases made within the past 60 days that are at least $80. Cash-equivalent transactions, such as ATM withdrawals, money orders, and cash advances, are not eligible. Additional eligibility requirements, including merchant type and transaction limits, may also apply.

Yes, the number of active BNPL plans available to you may vary based on your current account status and existing payment plans. Additional eligibility details and available offers can be viewed directly within the offers page in Digital Banking.

No, Kohler Credit Union’s BNPL offering does not require a credit check. Eligible offers are pre-qualified and available directly within Digital Banking for qualified members.

You can pay off your Buy Now, Pay Later (BNPL) loan directly within Digital Banking. Select Menu, then Move Money, and Loan Payments. When you choose your BNPL loan, you’ll see the Payoff & Close option. The system will automatically calculate and populate your full loan payoff amount, allowing you to pay off and close the loan in one step.