Two ways to stay flexible
However you shop, we’ve got you covered
Buy Now. Pay Later.
Stay in control.
Split purchases into smaller, more manageable payments. No application. No credit check. No surprises.
Join The Waitlist
For the things you plan for. And the things you don’t.
Travel & Getaways
Adventure now. Pay over time.
Shopping & Celebrations
Gifts, birthdays, holidays, and everything in between.
Tech & Electronics
Upgrade without the upfront hit.
Home & Auto
Handle life’s surprises without disrupting your budget.
Two ways to stay flexible
Before you buy
Planning a purchase? Choose an amount, receive funds in your Patelco Checking Account, and pay over time with a repayment plan that works for you.
After you buy
Already swiped your debit card? Select an eligible purchase, choose a payment plan, and receive funds in your Patelco checking account while you pay over time.
The flexibility you want. The trust you need.
Unlike many Buy Now, Pay Later providers, we’re building this feature around our members, combining payment flexibility with clear terms, trusted support, and no surprises along the way.
Join the waitlist
We’ll save you a spot and keep you updated as Buy Now, Pay Later gets closer to launch.1
Buy Now, Pay Later
Your budget just got a little more flexible.
1 By joining the waitlist, you agree to receive email updates about Patelco’s Buy Now, Pay Later product. Joining the waitlist does not guarantee eligibility. Product features, terms, and availability are subject to change. Please review our Privacy Policy to learn how we collect, use, and protect your personal information, and for instructions on unsubscribing and opting out of marketing communications.