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Buy Now, Pay Later

Flex your purchases.

No credit check. No application. All of your offers in one place – digital banking.


Buy Now, Pay Later from Parda Credit Union offers two convenient services for eligible members with a checking account. Whether you are planning a purchase or looking to spread out payments for something you have already bought, Parda’s Buy Now, Pay Later options can help you manage your cash flow and stay on budget.

Plan Your Purchase is designed for members who need funds upfront to make a purchase and want to repay the loan in installments over time.

Split Your Payments is available to members who have already made eligible debit card purchases and want to divide those purchases into manageable installments.

To access your Buy Now, Pay Later offers from Parda Credit Union, log in to digital banking and select “Buy Now, Pay Later.” You can view and accept your available offers in seconds and choose the repayment terms that fit your needs. Funds are deposited into your account shortly after acceptance.

Video - Add BNPL to your Banno dashboard

Split Your Payments
  • Make purchases with your debit card
  • Check "Buy Now, Pay Later" in your online banking or mobile app
  • View available BNPL offers on eligible purchases
  • Decide which purchase you would like to split over time
  • Choose your payment schedule
  • See your purchase amount deposited back to your account within 24 hours
Plan Your Purchase
  • Check "Buy Now, Pay Later" in your online banking or mobile app
  • View available BNPL offers to Plan Your Purchase
  • Choose your amount and payment schedule
  • See the funds deposited to your account within 24 hours

Frequently Asked Questions

Where can I find my BNPL offers?
BNPL offers for both Split Your Payments and Plan Your Purchase are found in Parda Online Banking from the BNPL tab. From the Mobile App, you can find BNPL when you click on the Menu icon.

Why can't I see any BNPL offers?
If you do not see 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 for Split Your Payment?
For Split Your Payment, an eligible purchase is a debit card purchase made in the past 60 days that is at least $100 and was not a cash or 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, Parda's BNPL offers do not require a credit check.