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DuGood is excited to offer an easier way to manage your budget. Eligible debit cardholders can enjoy the freedom to shop and pay over time with our flexible Buy Now, Pay Later (BNPL) options. Whether you're making a big purchase or just want to make your expenses more manageable, BNPL lets you split your total into smaller, budget-friendly payments. It's fast, simple, and designed to fit your lifestyle.
Buy Now, Pay Later offers two types of services to eligible debit cardholders that will help manage your cash flow and stay within budget.
Get money upfront for large purchases and make smaller payments over time.
Pay over time for qualifying debit card purchases you already made.
Review and accept your offers in the DuGood app or Online Banking and get money in your account in moments.
“Plan Your Purchase and Split Your Payment" is a Buy Now Pay Later (BNPL) service offered within online banking and the mobile app for eligible checking account holders with a debit card. Plans are subject to approval and offered at an Annual Percentage Rate of 15.99%. Terms and conditions apply. Not all purchases are eligible for payment plans. Fees may apply for late or missed payments. Full terms and disclosures are provided during the offer process and must be accepted before activation. Contact the credit union for full details.
Log in to online banking or the DuGood app. Navigate to BNPL to see if you have offers (Click the MORE menu in the mobile app).
Choose your payment option:
Split Your Payments or
Plan Your Purchase.
View and accept your available BNPL offers. You'll receive funds in your account within moments.
Get the funds you need to make the purchases you want in moments, and pay it back over time.
BNPL offers are found in DuGood Credit Union’s Digital Banking from the "Buy Now, Pay Later" tab.
There is no application for a DuGood Credit Union 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.
After you have accepted a DuGood BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
No, DuGood’s BNPL offering does not require a credit check.
Yes. You can pay off your BNPL plans early within your DuGood Online Banking or at a branch.
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.
A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 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.
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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle .