WICHITA, Kan.–Credit Union of America (CUA) has become the latest CU to add a buy now, pay later (BNPL) solution to its suite of digital banking products.
CUA said the launch supports its “mission to serve members with meaningful tools that promote long-term financial wellness.”

CUA has partnered with equipifi on the offering, which members can use directly within the credit union’s digital banking platform to split purchases into manageable, pre-qualified installment plans using their existing checking accounts and debit cards.
“At Credit Union of America, we are committed to making a difference in the lives of our members and the communities we serve,” VP Payment Solutions and Strategy Dan Umscheid said in a statement. “Our BNPL solution is another step in helping people tap into the tools they need to make confident, informed financial decisions without turning to a high-interest alternative.”
Two Ways to Pay
According to Credit Union of America, the BNPL solution offers two ways to pay. The Plan Your Purchase feature lets members access funds before shopping, and the Split Your Payment option allows them to convert eligible debit card transactions into installment plans after the purchase.
By offering this service directly through its digital banking platform, CUA said it maintains full control over the experience, ensuring that the service is secure and easy for members to take advantage of.
