Buy Now, Pay Later is coming to Landings!
Soon, Landings checking account holders will be able to get extra funds for their purchases and split payments over time. Here’s how it works!
1. Log in to digital banking and find Buy Now, Pay Later
2. Choose to Split Your Payments or Plan Your Purchase
3. View and accept pre-qualified offers that you are eligible for
4. Receive funds in account in moments
No credit check. No application. Let’s go shopping!
Frequently Asked Questions
Where can I find my BNPL offers?
BNPL offers are found in Landings Credit Union’s Digital Banking from the "Buy Now, Pay Later" tab.
How do I apply for a BNPL loan?
There is no application for a Landings 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.
How soon will I see my purchase amount deposited back into my account?
After you have accepted a Landings BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
Does BNPL require a credit check?
No, Landing’s BNPL offering does not require a credit check.
Can I pay off my BNPL plans early?
Yes. You can pay off your BNPL plans early within your Landings Online Banking or at a branch.
Why can't I see any BNPL offers?
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.
What makes a purchase eligible for Split Your Payments offers?
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.
Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?
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.