Buy Now, Pay Later

Buy Now, Pay Later has arrived at Credit Union of Texas. Use your debit card when you shop and fit larger purchases into your budget through monthly installments.1 We will help with the rest!



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 online banking or mobile app2
  • View available Buy Now Pay Later 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 to your account within 24 hours












You May Also Be Interested In

Get a good look at where you are and where you're going next.

Financial Calculators

Buy Now, Pay Later FAQs

Buy Now, Pay Later offers are found in online and mobile banking. Just click on the "Buy Now, Pay Later" tab in the Quick Links menu. 

No, it does not require a credit check!
You don’t need to pre-enroll. Simply use your CUTX debit card for a qualifying purchase, and you’ll be prompted with the option to split the payment into installments. Alternatively, you can select the installment plan for recent purchases through your online banking or mobile app.
Offers are good for 30 days. 
The minimum transaction amount that qualifies for Buy Now, Pay Later is $100. The maximum amount that can be borrowed through Buy Now, Pay Later is $2,500. 
5% of the delinquent payment up to $50
Ineligible transactions include:

  • Money Orders – Wire Transfer
  • Direct Marketing- Insurance Service
  • Direct Marketing – Catalog Merchant
  • Direct Marketing – Catalog and Catalog and Retail Merchant
  • Direct Marketing – Inbound Teleservices Merchant
  • Direct Marketing – Continuity/Subscription Merchant
  • Direct Marketing – Not Elsewhere Classified
  • Financial Institutions – Manual Cash Disbursements
  • Financial Institutions – Manual Cash Disbursements
  • Financial Institutions – Merchandise and Services
  • Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travelers Cheques
    Security Brokers/Dealers
  • POI (Point of Interaction) Funding Transactions (Excluding MoneySend)
  • Dating and Escort Services
  • Advertising Services
  • Information Retrieval Services
  • Government Owned Lottery
  • Government-Licensed Casinos (Online or Internet Gambling)
  • Government-Licensed Horse/Dog Racing
  • Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers)
The loan will remain in active until paid in full
No, but it can be paid in full early

You can have a maximum of five Buy Now, Pay Later plans active at one time. 







Why CUTX?

Great services, excellent staff.

Syed W. H.

I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.

Helpful Documents

We're Here To Help

Visit your local branch

We have several locations in DFW and East Texas. Come see us!

Talk to a team member

Need to speak with someone directly? We have options for that.

Chat Now

(214) 818-3231



1. No application or credit check required. Eligibility for the Buy Now Pay Later (BNPL) program is subject to qualifying online and in-store debit card purchases, and existing account relationship(s). You can only participate in the BNPL program if you receive an offer within CUTX online or mobile banking. Your account must be open for at least 90 days to be eligible. Repayment fixed-term options include 3, 6 or 12 months, subject to qualifying debit card purchase amounts. Each installment plan is subject to a fixed 9.99% Annual Percentage Rate (APR). Eligible debit card purchases must be greater than $100, not to exceed $2,500. Eligible members may have up to five (5) active BNPL payment plans at any given time, not to exceed an aggregate maximum outstanding balance of $2,500. Accounts with more than three (3) non-sufficient fund (NSF) instances and any loan payments that are more than thirty (30) days past due in the last ninety (90) days are not eligible. Loan payments (such as mortgage, auto, credit card, etc.), payments to third-party BNPL providers, or cash transactions such as ATM withdrawals are not eligible. Other terms and conditions apply. Member must meet age and membership requirements. Federally insured by NCUA.

2. Message and data rates may apply.