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Flex Your Budget. Pay Your Way.
Buy Now, Pay Later from Citadel
Buy Now, Pay Later from Citadel Credit Union offers two types of services available to eligible checking accountholders. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Buy Now, Pay Later (BNPL) from Citadel 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 Purchase 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 BNPL offers from Citadel, simply log into Online or Mobile Banking and select “Buy Now Pay Later” from the Quick Links menu, select the installment plan that works best for your budget - you'll receive the deposit within 24 hours!
You’re already qualified for any eligible offers!
- No credit check. Period.
- No application. Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept in Online Banking to proceed.
- No new cards or accounts. Continue using your existing Citadel checking account and debit card when accessing offers.
- Everything’s in the Citadel app. Review and manage your BNPL offers, plans, and payments in one place.
Log in to view your personalized offers!
Log InWhy Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Frequently Asked Questions
BNPL offers are found in Citadel’s Online & Mobile Banking. Log in and select "Buy Now Pay Later" from the menu.
There is no application for a Buy Now, Pay Later (BNPL) loan from Citadel Credit Union. All offers to ‘Split Your Purchase’ or ‘Plan Your Purchase’ found within your Online Banking are pre-qualified for you to view and accept.
After you have accepted a BNPL offer from Citadel, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
No, Citadel’s BNPL offering does not require a credit check.
Yes. You can pay off your Buy Now, Pay Later (BNPL) plans early within your Citadel Online Banking account or at any branch.
If you do not see any BNPL offers in your Online Banking account, this may be because your current account status is not eligible for BNPL at this time. 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 Purchase’ offers, this may be because your recent debit card purchases are not eligible for BNPL.
A purchase eligible for Split Your Purchase is a debit card purchase made in the past 30 days that is at least $250 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 also affect Buy Now, Pay Later eligibility.
Yes. Your eligibility for Buy Now, Pay Later (BNPL) offers is partly determined by the dollar amount of each loan. Therefore, taking out a 'Plan Your Purchase' loan can impact the dollar amount of the 'Split Your Purchase' loan you are eligible for, and vice versa.
To change from automatic payments to manual payments, please call 800-666-0191 or visit any Citadel branch. A representative will assist you in updating your payment preference.
Citadel’s Online and Mobile Banking uses profiles to organize your accounts and financial information. If you have multiple profiles that include accounts where you are a primary or joint owner, you’ll need to switch profiles to view or manage your Buy Now, Pay Later (BNPL) offers associated with each account.
If you're using the Mobile App, open the menu and select “Switch Profiles.”
If you're using a desktop computer, click your profile name and choose the profile you want to switch to.
Because BNPL offers are profile-specific, you may need to switch to a different profile to see or manage the BNPL plans linked to that account.
For a quick walkthrough, watch our short video on how to switch profiles in Online & Mobile Banking. Watch the video »
Still have questions? Visit our help center.
