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Buy Now Pay Later

Flex your budget. Pay your way.

 

Buy Now, Pay Later from AgFed offers two types of services available to eligible members with an AgFed Debit Card. Whether you are planning a purchase or looking to spread out payments for one you have already made, Buy Now, Pay Later from AgFed can help you manage your cash flow and stay within your budget.

Two ways to pay over time

Plan Your Purchase

Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.

Split Your Payments

Split Your Payments offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.

Access your offers in Digital Banking

To access your Buy Now, Pay Later offers from AgFed, simply log in to Digital Banking and locate Buy Now, Pay Later.

View and accept your available offers in seconds and accept the repayment terms that work for you. You will receive your funds in your account in moments.

You’re already qualified.

No credit check*

No credit check is required to view or accept available offers.

No application

Your available BNPL offers are tailored for you and pre-qualified.

No new cards or accounts

Continue using your existing AgFed checking account and debit card.

Everything in Digital Banking

Review and manage your BNPL offers, plans, and payments in one place.

Eligible Buy Now, Pay Later offers are available directly within AgFed Digital Banking. Simply log in to review the offers available to you.

Frequently Asked Questions

 

Learn more about AgFed Buy Now, Pay Later offers, eligibility and repayment.

BNPL offers are found in AgFed Digital Banking under the Buy Now, Pay Later tab.

There is no application for an AgFed BNPL loan. All Split Your Payments and Plan Your Purchase BNPL offers found within Digital Banking are pre-qualified for you to view and accept.

You will receive a copy of the loan agreement by email.

After you accept an AgFed BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

No. AgFed’s BNPL offering does not require a credit check.

Yes. You can pay off your BNPL plans early within AgFed Digital Banking or at an AgFed branch.

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 Payments offers, this may be because your recent debit card purchases are not eligible for BNPL.

A purchase eligible for Split Your Payments is an AgFed debit card purchase made in the past 60 days that is at least $100 and was not a cash-equivalent purchase, such as an ATM withdrawal, money order or cash advance.

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.

Taking out Plan Your Purchase loans may impact how many Split Your Payments offers are available to you, and vice versa.

*No credit check is required to obtain your available Buy Now, Pay Later (BNPL) offer(s). Although no credit check is required, your BNPL loan payment history may be reported. You must be an eligible AgFed member in good standing to claim your BNPL offer(s). Complete loan terms, including the applicable Annual Percentage Rate (APR), finance charges, fees (if any), repayment schedule, and all other required disclosures, will be provided. Offer amounts and repayment options may vary. Additional conditions and restrictions may apply. Log in to Digital Banking to review your available offer(s).

 
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