Flex your budget, Pay your way

Buy Now, Pay Later is here! Get extra funds fast for your purchases and spread those payments over time. Log in to your account and navigate to "Buy Now, Pay Later" to get started. 

Get Started

Same Debit Card, More Flexible Payments

Buy Now, Pay Later (BNPL) from Arizona Financial helps members flex their budget when using their Arizona Financial debit card. Use your debit card whenever and wherever you go shopping and spread those payments over time.

To access your BNPL offers from Arizona Financial, simply log in to online banking or the mobile app and go to “Buy Now, Pay Later.” View and accept your available offers in seconds and accept the repayment terms that work for you. You'll receive your funds in your account in moments.

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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.
  • No new cards or accounts. Continue using your existing Arizona Financial checking account and debit card when accessing BNPL offers.
  • Everything in one place. Review and manage your BNPL offers, plans, and payments by logging in to online banking or the mobile app.
Where can I find my BNPL offers?

BNPL offers are displayed within the Buy Now, Pay Later section in online and mobile banking. 

How do I apply for a BNPL loan?

Our BNPL program has no loan applications to fill out and no credit check. If a debit card purchase qualifies for BNPL, the offer will be displayed in online and mobile banking. You can accept offers and manage your plans all within online and mobile banking.

How soon will I see my purchase amount deposited back into my account?

It typically only takes a minute or two, but it may take up to 24 hours before the deposit posts to your checking account.  

Does BNPL require a credit check?

Arizona Financial does not perform a credit check when determining your eligibility for BNPL.

Why can't I see any BNPL offers?

If an offer is not displayed in the BNPL section of online or mobile banking, then the debit card purchase was not eligible for BNPL. This could be due to several factors, including: 

  • The transaction amount was too small or too large. 
  • The transaction was made at an ineligible merchant type. Some common merchant types that are not eligible for BNPL include cash advances, lotteries or gambling transactions, and bail or bond payments.
  • Eligibility is also based on the member’s account relationship.
Can I pay off my BNPL plans early?

Yes, you can choose to pay the BNPL loan off early.