Buy Now, Pay Later.

Flexible payment options, available right inside Heartland Digital Banking. No applications, no credit checks, no new accounts.

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Flexible payment options, built for members.

Your money should work on your schedule, not the other way around. Buy Now, Pay Later from Heartland Credit Union gives eligible members a smarter way to manage cash flow. Whether you're planning ahead or spreading out a purchase you've already made. No applications. No credit checks. Just straightforward options waiting for you right inside your digital banking.

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Plan your purchase

Need funds upfront? Get the money now and pay it back in installments over time, on terms that fit your budget.

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Split your payments

Already made an eligible debit card purchase? Split it into manageable installments rather than paying it all at once.

How it works for eligible members

Heartland's BNPL is built around your existing membership. No extra hoops, no new accounts.

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No credit check.

Offers are pre-qualified based on your account relationship.

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No application.

If offers are available to you, simply review and accept in seconds.

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No new accounts or cards.

Everything works through your existing Heartland checking account and debit card.

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All in one place.

Manage offers, plans, and payments inside your digital banking.

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Find your offers

Log in to digital banking and check for Buy Now, Pay Later under your account options. If pre-qualified offers are available, they'll be waiting for you — no extra steps required.

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Frequently Asked Questions

Log into Heartland digital banking and look for “Buy Now, Pay Later” under the Transfer & Pay tab. If you have available offers, they’ll be right there waiting for you.