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PayAdvantage

PayAdvantage

Same Debit Card, More Flexible Payments

We all could use some flexibility with our cash, especially when we make large purchases. Maybe you finally bought that new patio set you’ve had your eye on, but now your kid’s travel soccer team fees are due. Wish you had that money back?

PayAdvantage helps you flex your budget when using your Apple FCU Visa® Debit Card. Use your Debit Card whenever and wherever you go shopping, and PayAdvantage can help you spread select payments over time.

See PayAdvantage Offers

Shop Now and Pay Later

When you shop with your Debit Card, you may be eligible to break up large purchases into regular, monthly loan payments, putting money back in your Checking account. You can view and accept your PayAdvantage offers directly in Apple FCU Online and Mobile App and get funds back in your account.

How PayAdvantage Works

  1. Log In

    Log in to Apple FCU Online or Mobile App and tap Rewards and Offers, then PayAdvantage Offers.

  2. View Eligible Purchases

    You can see all eligible purchases for which you have PayAdvantage Loan offers. No credit checks or applications necessary.

  3. Review Terms

    After selecting a PayAdvantage offer, review the repayment option(s) available and select what works best for you.

  4. Accept Offer

    After accepting the repayment terms, you will receive funds in your Checking account.

Frequently Asked Questions

No, PayAdvantage does not require a credit check.

PayAdvantage offers are found in Apple FCU Online and Mobile App. Simply click PayAdvantage Offers under the Rewards and Offers tab to see the offers available to you.

If you do not see any PayAdvantage offers, this may be because of your current account status or your recent Debit Card purchases are not eligible for PayAdvantage. If you already have active PayAdvantage plans, you may not be eligible for additional offers until the active plans are paid back.

There is no application for an Apple FCU PayAdvantage Loan. All PayAdvantage offers found within Apple FCU Online and Mobile App are pre-qualified only for you to view and accept. You will receive a copy of the Loan agreement in your email.

After you have accepted an Apple FCU PayAdvantage offer, your purchase amount will be deposited into your account. In some cases, it can take up to 24 hours.

An eligible purchase is a Debit Card purchase made in the past 60 days that is at least $80, no more than $2,000 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance). Other restrictions surrounding the merchant type and transaction limits may affect PayAdvantage eligibility.

Yes. You can pay off your PayAdvantage plans early within your Apple FCU Online and Mobile App or at a branch.