Say Hello to Buy Now, Pay Later!

Use your same OceanAir debit card when you shop and fit larger purchases into your budget through monthly installments. Keep shopping your way with Buy Now, Pay Later. We’re bringing the flexibility.

Young woman smiling while holding phone and debit card. She's observing her buy now, pay later options.

Same Debit Card, More Flexible Payments

Use your debit card whenever and wherever you shop
Manage your budget by spreading larger expenses over time
Review and manage all plans, offers and payments in one place

Getting Started

Make purchases with your debit card
Check  Buy Now, Pay Later in your Digital Banking dashboard
View available offers on eligible purchases
Decide which purchases you would like to split over time
Select the installment plan that works for you
See your purchase amount deposited back into your account within 24 hours

Frequently Asked Questions

Where can I find my BNPL offers? 
BNPL offers are found in OceanAir Federal Credit Union’s Online Banking from the “Buy Now, Pay Later” tab. From the Mobile App, you can find “Buy Now, Pay Later” when you select “Move Money” in the main menu, then select “Buy Now, Pay Later”.

Why can’t I see any BNPL offers? 
If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are 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.

What is an eligible purchase? An eligible purchase 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. 

Does BNPL require a credit check? No, OceanAir’s debit card BNPL offering does not require a credit check.

Buy Now, Pay Later Program (BNPL)

*Must be an OceanAir Federal Credit Union member for at least 90 days. Accounts which have been overdrawn in Non-Sufficient Fund (NSF) status 4 or more times in the last 60 days are not eligible. OceanAir will not run a credit check.

Eligible members receive BNPL offers for qualified debit card purchases via OceanAir’s Online Banking Platform. An eligible purchase for BNPL is a debit card purchase made in the past 60 days between $100-$2,500. Excludes cash equivalent purchases (e.g., ATM withdrawals, money orders, cash advances, etc.) and internal transfers. Certain merchant types, such as loan payments (mortgage, auto, credit card) and third-party BNPL providers are not eligible.

Members may qualify for up to 5 active BNPL plans at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected it cannot be changed. No early payoff penalty. You’ll be charged a 15.00% APR (Annual Percentage Rate) for each BNPL payment plan. A $5.00 late fee will be charged after a 10-day grace period.

Programs, rates, terms, and conditions are subject to change without notice. Not all purchases will qualify. Joint account holders are not eligible. All offers are subject to approval. Other terms and conditions may apply.