FlexPay: A Smarter Way to Buy Now, Pay Later

Whether you're planning a dream getaway, catching a must-see concert, or tackling a home project this summer, FlexPay from USF Credit Union lets you do it all — without breaking your budget.

What’s FlexPay?

FlexPay is USF CU’s own Buy Now, Pay Later option available to qualifying members. It offers two easy ways to get the funds you need – fast – for travel, events, or big-ticket items.

And here’s how FlexPay can make your summer spending flexible and stress-free:

1. FlexPay with Plan Your Purchase

This isn’t your average buy now, pay later option. With Plan Your Purchase, qualified members can:

• Get a Pre-Approved Offer: If you qualify, you’ll see a tailored offer inside your USF CU digital banking app.
• Skip the Credit Check: No need to apply or worry about a credit pull.
• Accept Instantly: Tap to accept your offer and see funds immediately deposited into your checking account.
• Spend on What You Want: Use it for airfare, hotel bookings, new gear, or even home upgrades.

Note: “Plan Your Purchase” is available to members who’ve been with us for 6+ months and meet eligibility criteria.

2. FlexPay with Your USF CU Debit Card

If you’re already using your USF CU debit card, you may qualify for FlexPay directly from your card transactions. Just choose eligible purchases and split them into predictable monthly payments – right from your card.

No new loans, no extra hoops – just more control over your cash flow.

Whether you're heading to the beach, renovating your backyard, or upgrading your tech, FlexPay is designed to give you financial freedom with zero stress now and throughout the summer.

Check in digital banking to see if you qualify for FlexPay.

Not a member yet? You can join today and start reimagining the way you bank.

Members may qualify for up to 3 active FlexPay plans at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected, it cannot be changed. No early payoff penalty. You’ll be charged a 17.90% APR (Annual Percentage Rate) for each FlexPay payment plan. A $5.00 late fee will be charged after a 10-day grace period. Programs, rates, terms, and conditions are subject to change without notice. Not all purchases will qualify. Joint account holders are not eligible. All offers are subject to approval. Other terms and conditions may apply.