Flex your budget. Pay your way.
Buy Now, Pay Later from Signal Financial offers two types of services available to eligible members with Signal Smart® Checking. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later from Signal Financial can help manage your cash flow and stay within your budget.
- Plan Your Purchase – Offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.
- Split Your Payments – Offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.
To access your Buy Now, Pay Later offers, simply log into online banking and locate “Buy Now, Pay Later”. View and accept your available Buy Now, Pay Later offers in seconds, and accept the repayment terms that works for you. You will receive your funds in your account in moments.
You’re already qualified
- No credit check
- No application – Your Buy Now, Pay Later offers are tailored for you and are pre-qualified. Simply view and accept to proceed.
- No new cards and accounts – Continue using your existing Signal Financial checking account when accessing offers.
- Everything is in your online banking – Review and manage your Buy Now, Pay Later offers, plans, and payments in one place.
Explore Your New Perks and Benefits
Now that you’re a member, take a moment to explore all the member perks and options available to you:
- Lending Solutions: Discover flexible solutions for your goals — including credit cards, auto loans, mortgages, and personal loans.
- Savings Solutions: Grow your money confidently with share certificates and savings accounts designed to fit your financial plan.
- Add a Product Anytime: Easily apply for or open new Signal accounts anytime, anywhere through the Add a Product feature in your online banking account.
Frequently Asked Questions
Where can I find my Buy Now, Pay Later offers?
To access your Buy Now, Pay Later offers, simply log into online banking and locate “Buy Now, Pay Later”. View and accept your available Buy Now, Pay Later offers in seconds, and accept the repayment terms that works for you.
How soon will I see my purchase amount deposited back into my account?
You will receive your funds in your account in moments.
Does Buy Now, Pay Later require a credit check?
No. We do not pull credit for BNPL loan approval. However, BNPL loans will be reported to all major credit bureaus just like any other personal loan.
Can I pay off my Buy Now, Pay Later plans early?
Yes, and Signal will not charge prepayment penalties for early repayment.
Can I use the BNPL loan option for any purchase transaction?
The BNPL loan will only offer Split Your Purchase (SYP) on pre-approved items. Certain transactions are prohibited and will not be pre-approved.
Can I get approved for more than one BNPL loan?
Yes. However, the number of BNPL loans on one account cannot exceed the maximum of $2,500.
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
Routing Number:
255075495
Main Line
301-933-9100
VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018
For Visa Signature Cards:
800-328-3033
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866-498-2213
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800-447-8997
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