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Buy now, pay later

Get extra funds fast for your purchases and spread those payments over time. No credit check. No application necessary.

Flex your budget. Pay your way.

Buy Now, Pay Later offers two types of services available to eligible members with a Central One checking account. Whether you're planning a purchase or looking to spread out one you've already made, Buy Now, Pay Later can help you manage your cash flow and stay within your budget.

Buy Now, Pay Later Options

There are two types of services available to eligible members with a Central One checking account.

Plan Your Purchase

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

Available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.

Your offers are waiting!

To access your BNPL offers from Central One, simply log into digital banking and locate your offers in the "Payments" section. View and accept your available BNPL offers in seconds and accept the repayment terms that work for you. You will receive your funds in your account quickly.*.

Getting started is as easy as 1-2-3!

  • 1

    Log in to online or mobile banking and find Buy Now, Pay Later in the "Payments" section

  • 2

    Choose to Split your Payments or Plan your Purchase

  • 3

    View & accept pre-qualified offers and receive funds in your account in moments!

Frequently Asked Questions

  • BNPL offers are found in Central One Federal Credit Union’s Digital Banking in the “Payments” section.

  • There is no application for a Central One Federal Credit Union BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your Digital 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 Central One Federal Credit Union BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

  • Yes, Central One Federal Credit Union’s BNPL offering does not require a credit check and will not affect your credit score.

  • Yes. You can pay off your BNPL plans early within your Central One Federal Credit Union Online Banking or at a 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 Payment offers, this may be because your recent debit card purchases are not eligible for BNPL.

  • A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is at least $100 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 BNPL loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers you are eligible for, and vice versa.

Ready to get started?

Enroll in online banking and download our mobile app to see if you have offers waiting!

Register for Online Banking Download the app from your App Store
  • Mobile data rates apply when using mobile banking. Must have an active Central One checking account (membership and account criteria apply) open for at least 90 days, and no account restrictions. Not all checking accounts and/or debit card transactions will qualify. Central One’s Buy Now, Pay Later is a loan product.
    You must receive an offer to use BNPL. Offers will be extended for eligible in-store and online Central One debit card purchases in amounts between $100-$2,500 for eligible accounts. Certain exclusions apply, including ATM withdrawals, gas stations, lotteries, loan payments (mortgage, automobile, credit card, etc.), cash advances, cash/cash equivalent or money transfer service transactions, or transactions that involve any payment or fee owed to the credit union. $5 late fee may apply, please see Our Rates & Service Charges for more information about fees. Refer to the Buy Now, Pay Later offer in digital banking for additional information, APR, and term options.
    APR = Annual Percentage Rate. APR for Split Your Payment and Plan Your Purchase transactions is 15.00%. Because this is a fixed‑rate loan, your APR and interest rate will remain the same for the entire term. No credit qualification required.

    *After you have accepted a Central One Federal Credit Union BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

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Adjustable Rate Mortgages

  • The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 40 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application. Payments do not include taxes and insurance. 

    Begin the Application Process Check Rates

  • The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 40 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance. 

     

    Begin the Application Process Check Rates

  • The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance. 

     

    Begin the Application Process Check Rates

  • The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

Order Checks for your Home Equity Line of Credit (HELOC)

You can order checks through this link Order Checks or by calling 800-355-8123. You will need to input your account number and the Central One routing number (211387169). As a security precaution, you will not be able to change the address on the checks and all orders will be sent to the address of record on the account.

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