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buy 1st pay later

As a Service 1st Federal Credit Union VISA® Platinum credit cardholder, you may soon have the power to divide qualifying purchases into smaller monthly payments with Buy 1st Pay Later!*

how does buy 1st pay later work?

•    Make a qualifying purchase using your Service 1st VISA® Platinum Credit Card.

•    Log in to Service 1st online or mobile banking, view your Service 1st VISA® Platinum Credit Card and proceed to Card Services. 

•    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!

•    Pay back the installment plan you select over time with budget-friendly payments!*

•    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. 


faqs

Q. What is the Buy 1st Pay Later service plan? 

A. The Buy 1st Pay Later service plan allows you to pay off eligible purchases over a set period of time with a fixed APR* and fixed monthly payments.

Q. How do I create and use the Buy 1st Pay Later service plan?

A. Follow the steps above to access your account and view your eligible offers. 

Q. What purchases are eligible for enrollment in the Buy 1st Pay Later service plan?

A. Purchases that are over $100 and display in the Installment Payments tab are eligible. 

Q. Why might some purchases over $100 be ineligible for the Buy 1st Pay Later service plan?

A. Purchases that already appear on your monthly statement, are disputed or claimed as fraudulent, and/or are already included in a promotional APR or special financing, may not be eligible. 

Click here for a full list of faqs. 


want to learn more?

There are a number of ways you can connect with us! Click the chat icon available below or via Service 1st mobile, send us a secure message via Service 1st online or mobile banking, or call our Contact Center at 800.562.6049.



* 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.