Routing Number: 272479663
 Swift Code: MSUCUS44
 

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Flex your budget. Pay your way.
Buy Now, Pay Later (BNPL) from MSUFCU helps members flex their budget by offering two types of services available. Members can either select a purchase that made previously on their Visa Debit card or by accepting an offer before getting to the store.

Plan Your Purchase

Plan Your Purchase allows members to plan for upcoming expenses with access to the funds before the purchase.

How Does Plan Your Purchase Work?
• Log into ComputerLine or the mobile app and navigate to the lab
• Click the "View Offers" button
• Choose Plan Your Purchase
• Decide the amount of funds you want and then choose the payback plans that's right for you
• Once finalized, view and make payments on your Buy Now, Pay Later loan(s) in your account

Split Your Payments

Split Your Payments allows members to split an eligible transaction made on your Visa Debit Card into more manageable payments.

How Does Split Your Payments Work?
• Use your MSUFCU Visa Debit Card when you shop
• Allow 24-48 hours for your purchase to post to your account
• Qualified post purchases will be available by navigating to the lab within your account clicking the "View Offers" button
• Choose Split Your Payments
• Decide which qualified offer you would like to accept and select the payment plan that's right for you
• Once finalized, you can view and make payments on your Buy Now, Pay Later loan(s) in your account
How Does Buy Now Pay Later Work?
To access your BNPL offers from MSUFCU, simply log into ComputerLine or the Mobile App and locate the "Buy Now, Pay Later" tile within "the lab." View and accept your available BNPL offers or choose the amount of funds for your purchase in seconds and accept the repayment terms that work for you. You will receive your purchase amount deposited back into your MSUFCU account within 24 hours.

You're Already Qualified!
• No credit check.
• No cost to apply.
• No application. Your BNPL offers are tailored for you and are pre-qualified. Simply view and accept to proceed.
• No new cards and accounts. Continue using your existing MSUFCU debit card when accessing BNPL offers.
• Access everything within your OU Credit Union account. Review and manage your BNPL offers and payments in one place.
Review Your Offers
Shop Whenever and Wherever
Whether you're making everyday or unexpected purchases, count on MSUFCU's Visa Debit Card to be there when you need it
Pay Your Way
Decide which purchases you would like to split and select an payment plan that works for you and your budget
Manage Everything in One Place
Review and manage all your offers and payments right in digital banking
Buy Now, Pay Later Resources
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Does Buy Now Pay Later require a credit check?
No, MSUFCU's Buy Now Pay Later offering does not require a credit check.
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Where can I find my Buy Now Pay Later offers?
To access your Buy Now Pay Later offers from MSUFCU, simply log into ComputerLine or the Mobile App and locate the "Buy Now, Pay Later" tile within "the lab."
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How do I apply for a Buy Now Pay Later (BNPL) loan?
There is no application for a MSUFCU BNPL loan. All BNPL offers found within your account are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.
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How soon will I see my purchase amount deposited back into my account?
After you have accepted a MSUFCU Buy Now Pay Later offer, your purchase amount will be deposited into your account within 24 hours.
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Why can't I see any Buy Now Pay Later (BNPL) offers?
If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are 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.
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What is an eligible purchase for Buy Now Pay Later?
An eligible 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.
View All FAQs
So far in 2026, we've saved our members $3,509,890 in loan interest by refinancing their high-rate loans from other institutions to OU Credit Union.
Learn how we're helping members save
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Routing Number: 272479663
Swift Code: MSUCUS44

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