Buy Now, Pay Later

Same Debit Card, More Flexible Payments.

View Your BNPL Offers 
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Spread Your Payments Over Time

Buy Now, Pay Later from First Financial offers two types of services to eligible members with checking accounts.

Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later from First Financial can help manage your cash flow and stay within your budget. 

  • Plan Your Purchase offers are 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 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.
  1. Log in to Online or Mobile Banking.
  2. Locate ‘Transfer & Pay’, then select ‘Buy Now, Pay Later’
  3. View and accept your available BNPL offers in seconds, and accept the repayment terms that work for you. 
  4. You will receive the funds in your accounts in moments. 

The Best Part… You're Already Qualified!

  • No credit check.
  • No application. Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept to proceed. 
  • Everything is in Online Banking. Review and manage your BNPL offers, plans, and payments in one place. 
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Frequently Asked Questions

Yes. Your eligibility for BNPL offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers they are eligible for, and vice versa.
A purchase eligible for Split Your Payments is a debit card purchase made in the past 45 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.
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.
Yes. You can pay off your BNPL plans early within your Online or Mobile Banking or at a branch.
No, BNPL offering does not require a credit check.
After you have accepted a BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
There is no application for a BNPL loan. All Split Your Payment and Plan Your Purchase BNPL offers found within your Online Banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.

Don't Have a Checking Account?

Open one today to see if you’re eligible to start using Buy Now Pay Later! Our checking accounts feature no minimum balance and no monthly maintenance fees. 

Learn More about checking accounts