Buy Now, Pay Later BNPL No-Interest Services (Part 2)

Posted in Board Brief, KTFCU News on Mar 18, 2026

As discussed in the last Board Brief, more retailers are offering Buy Now, Pay Later (BNBL) no-interest options. These products are a form of financing. They are like limited time, zero interest credit cards. The terms may differ, but these are financial products, and they are offered because they increase retail sales and they make someone money, sometimes a lot of money, that can be at the consumer’s expense. So, BEWARE!

When should I consider taking a BNBL offer? The simple answer is you shouldn’t. But there are some limited situations when considering a BNPL financing option is worth cons...

Almost Over! .90% Off Personal Loan Rates!

Posted in KTFCU News, Loan Specials on Feb 22, 2026

To Celebrate 90 Years of Serving our Membership...

.90% OFF ALL PERSONAL LOAN RATES
90 Days Only-now until March 31, 2026
$ 9,000 maximum allowance

7.10% apr. up to 12 months
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Buy Now, Pay Later BNPL No-Interest Services (Part 1)

Posted in Board Brief, KTFCU News on Feb 18, 2026

More retailers are offering BUY NOW, PAY LATER (BNPL) No-Interest Services. From grocery stores to home improvement stores to apparel stores, many retailers are offering these products. Currently, according to WalletHub-

61% of Americans do not know how differed interest or no interest BNPL purchases work.
51% of Americans say they have agreed to a BNPL plan without being sure they could make the monthly payments.

What are BNPL's? Should I consider taking advantage of them? What are the pitfalls?

First and foremost, these are financial products in the same way a credit card is a financial pro...