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buy 1st pay later

Visa® Platinum Credit Card

buy 1st pay later


  1. Make a qualifying purchase using your Service 1st VISA® Platinum Credit Card.
  2. Log in to Service 1st online or mobile banking, view your Service 1st VISA® Platinum Credit Card and proceed to Card Services. 
  3. Click on the Buy 1st Pay Later Service tile to view any eligible purchase offers** on posted transactions and select a plan that’s right for you!
  4. Pay back the installment plan you select over time with budget-friendly payments!*
  5. Buy 1st Pay Later is the perfect way to lock in a lower fixed rate† for larger purchases and manage the balance on your VISA®  Platinum Credit Card.



* APR = Annual Percentage Rate. **You will only see an offer if you qualify. See your Consumer Credit Card Agreement and Disclosure or contact credit union for details. Buy 1st Pay Later is a financial product brought to you by Service 1st Federal Credit Union. Service 1st Online or Mobile Banking required to use Buy 1st Pay Later. Service 1st Federal Credit Union may change APRs, fees and other account terms in the future based on your experience with Service 1st Federal Credit Union and its affiliates as provided under the Consumer Credit Card Agreement and applicable law. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to the Service 1st Federal Credit Union website or Service 1st Mobile Banking for additional information. Purchase must be greater than $100 from qualifying merchants. Monthly payments available for 3 to 18 months, split evenly over term, depending on qualifications. Interest rate will be provided via the Service 1st Online or Mobile Banking and will be contingent on qualifying purchase. Contact credit union for full details. † Rate will not change for the duration of the installment plan.

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