Buy Now, Pay Later

With Your AMOCO Debit Mastercard®

Front and back credit card

Buy Now, Pay Later

Same card. More flexible payments.

Experience greater financial flexibility with our Buy Now, Pay Later program! As an AMOCO Debit Mastercard® cardholder, you can enroll your eligible purchases in easy installment payment plans. This convenient option allows you to pay off your purchase over a selected term with fixed monthly payments and a fixed annual percentage rate, making budgeting simpler than ever.

  • Use your AMOCO Debit Mastercard® whenever and wherever you shop
  • Manage your budget by spreading larger expenses over time
  • Review and manage all plans, offers, and payments in one place

Spend Smarter and Save Bigger!

Here’s how:

  1. Use your AMOCO Debit Mastercard® for qualifying purchases of $100 or more.
  2. Set up your installment plan via AMOCO Mobile App or Online Banking by following these steps: Select More > Service Hub > Buy Now, Pay Later.
  3. Choose a payment plan that works for you.
FAQ

Buy Now, Pay Later FAQs

Browse Our Frequently Asked Questions Below.

The Buy Now, Pay Later program consists of installment payment plans, which allow you to pay off eligible purchases over a set period of time with a fixed APR and fixed monthly payments.

Offers expire 60 days after the transaction posts. An offer may disappear sooner if account activity changes.

You can have up to 3 active plans, though eligibility varies.

Purchases must be at least $100 to qualify, with a maximum eligible amount of $2,500.

Accepting an offer creates an installment loan, and funds are posted to your checking account within 24 hours. You will also receive an email confirmation and can view plan details in AMOCO Mobile App or Online Banking.

The first payment is due 30 days after you set up your Buy Now, Pay Later installment plan.

No, due dates and payment methods cannot be changed.

Yes, auto pay is the only repayment option available for this type of loan. When enrolling in a plan, you will select to pay the loan from your AMOCO account.

No, but you can pay off the loan early if desired.

All current and past plan details are available under Resources > Buy Now, Pay Later in AMOCO Mobile App or Online Banking.

We offer 3, 6, and 9-month plans based on eligibility.

Members should refer to the Terms and Conditions during enrollment for specific rates.

Yes, after a 15-day grace period, a late fee of 5% of the payment due will apply.

No, the terms cannot be changed once you establish an installment plan.

The store’s return policy will determine how you will receive their refund. The Buy Now, Pay Later plan will not be affected. You can pay off the plan early or allow the plan to be repaid as scheduled.

AMOCO does not perform a credit check when determining your eligibility for Buy Now, Pay Later program. Additionally, Buy Now, Pay Later plans are not reported to the credit bureaus, so a Buy Now, Pay Later plan that is created and paid in a timely manner does not affect your credit score.

An unpaid Buy Now, Pay Later plan that becomes delinquent and is subsequently referred to Credit Counseling may be reported to the credit bureau.  

No, Skip-A-Pay cannot be applied to Buy Now, Pay Later installment plans.