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.

Buy Now, Pay Later (BNPL) from AMOCO offers two types of services available to eligible members with an AMOCO checking account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, BNPL from AMOCO can help manage your cash flow and stay within your budget.

  • Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.
  • Split Your Purchase offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.
  • 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

Buy Now, Pay Later option is not available for Money Market accounts.

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.

There is no application for a AMOCO BNPL loan. All Split Your Purchase and Plan Your Purchase BNPL offers found within Online Banking are pre-qualified for you to view and accept. You will receive a summary of the loan details in your email.

After you have accepted a BNPL offer, your purchase amount will be deposited into your account in moments. In some cases, this can take up to 24 hours. 

No, AMOCO’s BNPL offering does not require a credit check.  

Yes. You can pay off your BNPL plans early without penalty.  

If you do not see any BNPL offers, this may be because your current account status is not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.  

If you are eligible for Plan Your Purchase but do not see Split Your Purchase offers, this may be because you do not have recent debit card purchases that are eligible for BNPL.  

A purchase eligible for Split Your Purchase is a debit card purchase made in the past 60 days that is at least $100 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 BNPL eligibility.   

Yes. Your eligibility for BNPL offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact the Split Your Purchase offers you are eligible for, and vice versa.  

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.