SUNWARD BUY NOW, PAY LATER: YOUR PURCHASES YOUR PACE

Same Debit Card, More Flexible Payments Options

Sunward is excited to be one of the first credit unions in New Mexico to offer Buy Now, Pay Later to our members! Sunward Buy Now, Pay Later gives you more control by letting you split up purchases into monthly installments for a fixed fee. You can:

PLAN for purchases by getting funds upfront and paying the amount back in installments over time.
SPLIT eligible debit card purchases into installments that you can pay back over time. Once you select an installment plan for an eligible purchase, you’ll get the original purchase amount deposited back to your account within 24 hours.

Ready to get started? Simply log in to your account on the web or on the app and go to Transfer & Pay Bills > Sunward Buy Now, Pay Later.

FREQUENTLY ASKED QUESTIONS

How do I know if I have eligible debit card purchases for Sunward Buy Now, Pay Later?

You can find all of your eligible offers by logging into your account on the web or on the app and going to Transfer & Pay Bills > Sunward Buy Now, Pay Later.

How do I apply for a Sunward Buy Now, Pay Later loan?

There is no application for Sunward Buy Now, Pay Later. Whether you are looking to plan a purchase or split an eligible debit card purchase, your Sunward Buy Now, Pay Later offers within online banking are pre-qualified for you to view and accept.

I have decided to split an eligible debit card purchase. How soon will I see the purchase amount deposited back into my account?

Once you select an installment plan for an eligible purchase, you’ll get the original purchase amount deposited back to your account within 24 hours.

Does Sunward Buy Now, Pay Later require a credit check?

No, it does not require a credit check.

Can I pay off my Sunward Buy Now, Pay Later plans early?

Yes, you can pay them off early without penalty.

Why can’t I see any Sunward Buy Now, Pay Later offers in online banking?

This may be because your current account status or your recent debit card purchases are not eligible for Sunward Buy Now, Pay Later. If you already have active Sunward Buy Now, Pay Later plans, you may not be eligible for additional offers until the active plans are paid back. If you are eligible to plan a purchase, but do not see the options to split an eligible payment, this may be because you don’t have a recent debit card purchase that is eligible for Sunward Buy Now, Pay Later.

What makes a debit card purchase eligible for split your payments offers?

An eligible purchase is a debit card purchase made in the past 60 days that is at least $80 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 Sunward Buy Now, Pay Later eligibility.

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SUNWARD BUY NOW, PAY LATER: YOUR PURCHASES YOUR PACE

Same Debit Card, More Flexible Payments Options

FREQUENTLY ASKED QUESTIONS

How do I know if I have eligible debit card purchases for Sunward Buy Now, Pay Later?

How do I apply for a Sunward Buy Now, Pay Later loan?

I have decided to split an eligible debit card purchase. How soon will I see the purchase amount deposited back into my account?

Does Sunward Buy Now, Pay Later require a credit check?

Can I pay off my Sunward Buy Now, Pay Later plans early?

Why can’t I see any Sunward Buy Now, Pay Later offers in online banking?

What makes a debit card purchase eligible for split your payments offers?

SUNWARD BUY NOW, PAY LATER: YOUR PURCHASES YOUR PACE

Same Debit Card, More Flexible Payments Options

FREQUENTLY ASKED QUESTIONS

How do I know if I have eligible debit card purchases for Sunward Buy Now, Pay Later? —

How do I apply for a Sunward Buy Now, Pay Later loan? +

I have decided to split an eligible debit card purchase. How soon will I see the purchase amount deposited back into my account? +

Does Sunward Buy Now, Pay Later require a credit check? +

Can I pay off my Sunward Buy Now, Pay Later plans early? +

Why can’t I see any Sunward Buy Now, Pay Later offers in online banking? +

What makes a debit card purchase eligible for split your payments offers? +

How do I know if I have eligible debit card purchases for Sunward Buy Now, Pay Later?

How do I apply for a Sunward Buy Now, Pay Later loan?

I have decided to split an eligible debit card purchase. How soon will I see the purchase amount deposited back into my account?

Does Sunward Buy Now, Pay Later require a credit check?

Can I pay off my Sunward Buy Now, Pay Later plans early?

Why can’t I see any Sunward Buy Now, Pay Later offers in online banking?

What makes a debit card purchase eligible for split your payments offers?