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Pay your way with Flex Pay

Get extra funds fast
for your debit card purchases.*

Whether you have an upcoming purchase or want to spread out payments on one you’ve already made, Flex Pay can help you manage your cash flow and stay within your budget.

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Plan Your Payment

Look for offers that provide funds in advance so you can make a purchase now and pay it back over time.
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Split Your Payments

Find offers that let you make installment payments on eligible debit card purchases you’ve already made.

Download our mobile app for secure, on-the-go banking.

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Flex Pay How-To

The process is quick and easy:

  1. Log in to digital banking and find Flex Pay.
  2. Choose Plan Your Payment or Split Your Payments.
  3. View your pre-qualified offers and accept the terms for the option you want.
  4. Receive funds in your account in moments.

No credit check. No application. No hassle.

Have questions? We're always in your corner. Call 877.275.2228 for assistance.

Flex Pay FAQs

More About Flex Pay

You can find Flex Pay offers in CCU Digital Banking. Follow these steps:
1) Log in to CCU Digital Banking

2) Navigate to the Flex Pay selection: On mobile, go to the lower right-hand corner and look for "Menu" to click and scroll down to "More" and then "Flex Pay". On the desktop, go to the upper right-hand corner and look for the three dots, select and scroll down to "Flex Pay".

FlexPay Mobile and Desktop screens

3) Select Flex Pay. Choose your option to either "Plan" or "Split" Your Payments.

 
If you do not see Flex Pay offers, it’s likely that your current account status or recent debit card purchases are not eligible. If you already have an active Flex Pay plan, you may not be eligible for additional offers until the active plan is paid in full.
An eligible purchase is a debit card purchase made in the last 60 days that is at least $100 and was not a cash or cash equivalent purchase (e.g., ATM withdrawal, cash advance, etc.). Other restrictions related to the merchant type or transaction limits may also affect eligibility.
No, Flex Pay offers are pre-qualified, so no credit check is required. However, Flex Pay plans will be reported to the credit bureaus, like all CCU loans.
Funds are typically deposited into an eligible member's checking account within minutes. In some cases, however, this process may take up to 24 hours.
Yes. Flex Pay loans can be paid off at any time, with no pre-payment penalty.
There are limits to the total combined dollar amount a member may have in Plan Your Payment and Split Your Payments loans. These limits are unique to each member’s financial relationship with CCU.

*Not all purchases will qualify. All offers are subject to approval. Some transactions do not qualify for Flex Pay plans, including ATM withdrawals, money transfer services, gambling, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions. Offers are valid on purchases made with your CCU Visa debit card. Other exclusions may apply, and offers are subject to change.