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Routing # 324173383

Buy Now, Pay Later

The Freedom to Say Yes — Without Paying All at Once

Big purchase? Unexpected expense? Just want more flexibility? With Buy Now, Pay Later you can break eligible purchases into simple monthly payments that fit your budget. No stress. No large upfront payment. Just flexible options designed around you.

Designed for Pioneer Members

Buy Now, Pay Later includes two flexible services:

  • Split Your Payment – Convert eligible debit card purchases into installment payments after the transaction posts.
  • Plan Your Purchase – Receive funds upfront and repay in fixed monthly installments.

Eligibility is based on your overall relationship with Pioneer Federal Credit Union, including account history and other qualification criteria.

Ready to Get Started?

Log in to your myPioneer via Online or the Mobile app to view available offers.

More flexibility. More control. More Pioneer.

Choose the Option That Fits Your Needs:

Already used your Pioneer debit card for a purchase? Eligible transactions can be converted into manageable monthly payments — after the purchase is made.

Why Members Love It:

  • Split eligible debit card purchases into 3, 6, or 9 monthly payments
  • $0 down required
  • Simple, predictable monthly payments
  • Funds deposited directly into the account of your choice
  • Set up Auto Pay or pay manually — you decide

Turn today’s purchase into tomorrow’s manageable plan.

Need funds upfront? Plan ahead and pay overtime with structured monthly installments.

Program Features:

  • Borrow and repay in 3, 6, or 9 monthly payments
  • Minimum loan amount of $200
  • $0 down at checkout
  • Funds deposited directly into the account of your choice
  • Flexible repayment options with Auto Pay or manual payments

Apply today. Purchase confidently.

Important Disclosures

Eligibility for Pioneer Federal Credit Union's Buy Now Pay Later program is subject to qualifying transaction amounts, and existing account relationship requirements. Member account must be open, in good standing, and reflect verifiable deposit activity. Offers are presented only within myPioneer online and mobile banking; members may participate only if an eligible offer is received. Applicants must be 18 years of age. Loan terms, rates, fees, and available offers are subject to change without notice. Additional eligibility restrictions may apply. Pioneer Federal Credit Union is an Equal Opportunity Lender