FlexPay Plans
FlexPay Plans are a responsible Buy Now, Pay Later option designed to help eligible members manage debit card purchases with confidence.*
Choose a "Split Your Payments" Plan
With a Split Your Payments Plan, qualifying debit card transactions can be converted into predictable monthly payments directly within online banking, with no credit check and no new account required when you have an eligible Prime Financial Credit Union checking account.
How Split Your Payments Works
1) Make a qualifying debit card purchase
Complete an eligible purchase using your Prime Financial Credit Union debit card.
2) Log in to online banking
Access your account through Prime Mobile or Online Banking.
3) Select FlexPay Plans
From the Apply Now menu, choose FlexPay Plans.
4) Choose “Split Your Payments”
If eligible, review available offers and select a repayment plan that fits your budget.
5) Get funds back instantly
The purchase amount is deposited back into your checking account, and you repay it over time with fixed monthly payments.
When You Might Use Split Your Payments
Split Your Payments can be helpful when you want more flexibility without opening a new credit product, such as:
Managing a larger, unexpected expense
Spreading out the cost of everyday purchases
Smoothing cash flow between paychecks
Keeping your budget predictable with fixed monthly payments
Avoiding high-interest alternatives or traditional credit cards
Choose a "Plan Your Purchase" Plan
With a Plan Your Purchase option, eligible members can plan purchases in advance and split them into predictable monthly payments all directly within online banking. No credit check and no new account required when you have an eligible checking Prime Financial Credit Union checking account.
How Plan Your Purchase Works
1) Log in to online banking
Access your account through Prime Mobile or Online Banking.
2) Select FlexPay Plans
From the Apply Now menu, choose FlexPay Plans.
3) Choose “Plan Your Payment”
If eligible, select a pre-purchase offer and choose a repayment plan that fits your budget.
4) Make your purchase
Use your Prime Financial Credit Union debit card to complete the purchase you planned for.
5) Repay over time
Your purchase is automatically set up with fixed monthly payments, helping you stay in control of your budget.
When You Might Use Plan Your Purchase
Plan Your Purchase is helpful when you want to budget ahead and avoid surprises, such as:
Planning for a larger upcoming purchase
Budgeting for seasonal or one-time expenses
Keeping monthly expenses predictable
Avoiding high-interest alternatives or traditional credit cards
Staying in control without opening a new credit product
Check Available Plans Online
* FlexPay Plans are exclusively available to Prime Financial Credit Union members aged 18 or older who have maintained a membership for at least 90 days. Eligible accounts include non-youth consumer checking accounts in good standing. Eligibility is determined by account history; inadequate or negative activity, including but not limited to insufficient deposit activity, Non-Sufficient Funds (NSF), or delinquent (DQ) status on any current or prior Prime Financial Credit Union accounts or loans, may result in disqualification. Additional terms and conditions apply. Membership eligibility required. Federally insured by NCUA.
FlexPay Plans are subject to eligibility and approval. The fixed Annual Percentage Rate (APR) for FlexPay Plans is 17.99%; there are no credit checks or application fees. Plan amounts range from a minimum of $125.00 to a maximum of $2,500.00. Post-purchase “Split Your Payments” Plans are available for terms between 3 and 12 months. Pre-purchase “Plan Your Purchase” Plans are available for terms between 3 and 18 months. Actual term lengths vary based on Plan dollar amount. Post-purchase offers expire 60 days from the transaction post date or upon changes to account status, cashflow calculation, or Plan limits. Post-purchase Plans may not be available for specific merchant types, such as gambling or money movement services. Refunds or credits to your checking account associated with the original debit card transaction do not alter the Plan or your obligation to repay; any refunds or credits will be applied to your checking account, not the Plan. There is no penalty for paying off a Plan early. Prime Financial Credit Union reserves the right to limit the number of active Plans or the total outstanding balance owed per member under FlexPay Plans.