Flex your budget. Pay your way.
Buy Now, Pay Later from Truity Credit Union offers two types of services available to eligible members with a checking account and debit card. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later from Truity can help manage your cash flow and stay within your budget.
- ReadySpend offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.
- TruFlex 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.
To access your BNPL offers from Truity Credit Union, simply log in to digital banking and select "Buy Now, Pay Later." View and accept your available offers in seconds, choose the repayment terms that work for you, and receive your funds in your account in moments.
Simple. Flexible. Built for you.
Frequently Asked Questions
Disclosures
85. Subject to eligibility. Must receive an offer to participate. Requires an active Truity checking account in good standing for at least 6 months; debit card required for certain features. Offers are based on account activity and are not guaranteed. No traditional credit check is required. APRs range from 15.00% to 17.99% fixed and vary based on the BNPL product (TruFlex or ReadySpend) and amount financed. Term options range from 3 to 24 months and vary based on the BNPL product and amount financed; full terms will be disclosed at the time of offer. Repayment example: A $1,000 loan at 16.99% APR for 9 months = approximately $119.15/month; $1,072.33 total. Limits apply. Members may have multiple BNPL loans, but total outstanding balances cannot exceed program limits; up to $1,500 for TruFlex, $3,000 for ReadySpend, and $4,500 combined at any time per account. No fees apply, except in the case of late payment fees. Restrictions apply.