Associated Credit Union Launches Pro$per Pay, Expanding Digital Banking Offerings

Associated Credit Union (ACU), a $2.2 billion financial institution serving more than 155,000 members, has launched its new Pro$per Pay (BNPL) solution, further enhancing its suite of digital banking products.

ACU has partnered with equipifi, a leading Buy Now, Pay Later (BNPL) platform built for financial institutions, to deliver this offering. Through this collaboration, ACU members will now receive personalized, pre-qualified BNPL offers directly within their digital banking experience.

The new BNPL program, called Pro$per Pay, is designed to support members throughout their shopping journey. Pro$per Pay offers both pre-purchase access to additional funds and post-purchase flexibility by converting eligible debit card transactions into installment loans. This launch reflects ACU’s commitment to delivering innovative, member-focused financial solutions that meet evolving member needs.

"Pro$per Pay empowers ACU members to access what they need today while managing their budget,” said Chadwick Evans, EVP of Lending at ACU. "Its flexibility meets financial freedom."

“Credit unions have been redefining what consumers can anticipate from Buy Now, Pay Later, and are consistently outperforming third-party BNPL solutions regarding their membership,” said Bryce Deeney, CEO and co-founder of equipifi. “By launching Pro$per Pay (a BNPL solution), ACU is not only providing an innovative and intuitive flexible financing tool their members prefer but also being the trusted financial institution members can turn to whenever they need.”

ACU launches Pro$per Pay in response to growing member demand and evolving payment preferences. With BNPL usage continuing to rise—projected to grow at a compounded annual rate of 25.5 percent in the U.S. between 2022 and 2026—ACU recognizes the importance of offering flexible, modern payment solutions. By introducing this product, ACU aims to meet its members where they are financially and provide a competitive, convenient alternative to other BNPL providers.

About Associated Credit Union

Associated Credit Union, a $2.2 billion financial institution that serves more than 155,000 members at 18 locations in Atlanta, Augusta, Carrollton, and Dawsonville, offers members financial products that fulfill their needs, service that exceeds their expectations, and relationships that inspire their trust. The Associated Credit Union Foundation, a 501(c)(3) nonprofit, provides fundraising and volunteer opportunities for employees and members to support charitable organizations. For more information about Associated Credit Union, visit acuonline.org or like and follow @AssociatedCU on Facebook, Instagram and Twitter.

About equipifi 
equipifi is the leading Buy Now, Pay Later (BNPL) platform for financial institutions in the United States. This is a white label solution designed to align with consumer purchase habits, payment preferences, and financial goals. The equipifi platform seamlessly integrates with leading banking cores and digital banking platforms to deepen customer engagement, grow market share, increase revenue, and provide a single place to view, accept, and manage BNPL plans on their existing banking app. For more information, please visit http://www.equipifi.com/.