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Financial Center First Credit Union Launches Buy Now, Pay Later Solution

In a significant move for financial services in the Midwest, Financial Center First Credit Union (also known as Financial Center) has become the first credit union in Indiana to introduce a Buy Now, Pay Later (BNPL) solution. This new service is designed to allow members to make purchases and pay for them over time through flexible, manageable installment plans, all within a secure digital banking environment.

A Step Forward for Financial Control

With the rising popularity of BNPL schemes, many consumers often find themselves navigating multiple third-party providers. These options can sometimes lead to complications such as stacked payments and unexpected financial burdens. Financial Center is addressing this issue by providing a transparent and responsible solution tailored specifically for its members. The BNPL service is intended to empower consumers by providing greater control over their everyday spending while ensuring they remain within their budget.

Kyle Endres, Vice President of Communications at Financial Center, emphasized the credit union's commitment to its members by stating, "We're seeing more and more people turn to quick-fix payment options that don't always have their best interests in mind. As a credit union, we have a responsibility to offer something better. This is about giving our members flexibility without the trade-offs that often come with outside lenders.”

Collaboration with equipifi for Enhanced Services

To bring this innovative BNPL solution to life, Financial Center partnered with equipifi, a leading fintech company based in Arizona that specializes in BNPL solutions. This collaboration allows members to receive personalized, pre-qualified offers instantaneously, enabling them to make informed purchasing decisions. Equipifi’s platform enhances the banking experience by enabling members to receive funds before making a purchase, thereby allowing for better financial planning.

Bryce Deeney, Founder and CEO of equipifi, noted, "Financial Center is setting the standard for responsible Buy Now, Pay Later and putting members in control of their spending with the transparency and guidance they deserve.” By integrating the BNPL service into its offerings, Financial Center ensures that members are equipped with the tools they need to manage their finances effectively while fostering a sense of financial wellness.

Unique Advantages of Financial Center's BNPL Offering

What sets Financial Center apart from other third-party BNPL providers is its commitment to conducting transactions entirely within the credit union environment. This unique approach provides members with several significant advantages, including transparent terms, no prepayment penalties, and the absence of hard credit inquiries. This method helps mitigate the common challenges faced by consumers using external BNPL products, such as managing multiple payments across various platforms and facing unclear repayment structures.

Since its launch in May 2026, the BNPL program has already reached approximately 11,000 members, expanding access to flexible financial solutions designed to enhance their overall financial health. The credit union manages about $940 million in assets, serving a diverse community throughout greater Indianapolis, Kokomo, and Muncie, Indiana.

About Financial Center

Financial Center First Credit Union is committed to helping nearly 60,000 members pursue healthier and more vibrant financial lives. Through a combination of inclusive banking services, free financial wellness resources, and a supportive community, Financial Center provides an environment where members can achieve their financial goals. The credit union prides itself on its team of almost 200 expert employees who act as coaches and mentors, guiding members towards new financial possibilities.

For more information, visit fcfcu.com and explore how Financial Center can help you take control of your financial future.

About equipifi

equipifi is recognized as a leading BNPL platform tailored for financial institutions within the United States. Its white-label solutions seamlessly integrate with core banking systems and digital platforms, allowing users to benefit from BNPL offerings aligned with their financial goals. By fostering engagement and market growth, equipifi empowers institutions to deliver transparent and manageable installment options directly within their applications. Discover more at equipifi.com.