Flex your budget. Pay your way.

Pay Your Way from Gulf Coast Educators FCU offers two types of services available to eligible members with a checking account. Whether you are planning a purchase or looking to spread out payments for one you’ve already made, Pay Your Way from GCEFCU can help manage your cash flow and stay within your budget.  

  • Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.  
  • Split Your Payments offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.  

To access your Pay Your Way offers from Gulf Coast Educators FCU, simply log into digital banking and locate “Pay Your Way”. View and accept your available Pay Your Way offers in seconds, and accept the repayment terms that work for you. You will receive your funds in your account in moments.  

You're already prequalified.

  • No credit check.   
  • No application. Your Pay Your Way offers are tailored for you and are pre-qualified. Simply view and accept to proceed.  
  • No new cards and accounts. Continue using your existing GCEFCU checking account and debit card when accessing offers. 
  • Everything in your online banking. Review and manage your Pay Your Way offers, plans, and payments in one place.  

Frequently asked Questions

Pay Your Way offers are found in Gulf Coast Educators FCU’s Digital Banking from the “Pay Your Way” tab.

There is no application for a Gulf Coast Educators FCU Pay Your Way loan. All Split Your Payment and Plan Your Purchase Pay Your Way offers found within your Online Banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.

After you have accepted a GCEFCU Pay Your Way offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.

No, Gulf Coast Educators FCU Pay Your Way offering does not require a credit check.

Yes. You can pay off your Pay Your Way plans early within your GCEFCU Online Banking or at a branch.

If you do not see any Pay Your Way offers, this may be because your current account status is not eligible for Pay Your Way. If you already have active Pay Your Way plans, you may not be eligible for additional offers until the active plans are paid back.

If you are eligible for Plan Your Purchase but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for Pay Your Way.

A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is between $60 and $1,500 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect Pay Your Way eligibility.

Yes. Your eligibility for Pay Your Way offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers they are eligible for, and vice versa.

Approval is subject to member eligibility.  Member must have a checking account. Member eligibility is determined by account relationship, including average deposits, average daily balances, outstanding loans, existing repayment behavior and insufficient funds history. No credit check is required. To qualify, the purchase must be a debit card transaction made within the past 60 days, be between $60 and $1,500, and not be considered a cash-equivalent purchase such as an ATM withdrawal, money order, or cash advance. The repayment term depends on the amount financed and other factors. Certain merchant types and transactions may also affect eligibility. Plan Your Purchase loans have an Annual Percentage Rate (APR) of 17%. Payment example: a $1,000.00 loan at 17% APR for 12 months would have a monthly payment of $91.20. Split Your Payment loans have an APR of 15%. Payment example: a $1,000.00 split payment loan at 15% APR for 12 months would have a monthly payment of $90.26. Rates, terms and conditions are subject to change. May be discontinued at any time. Contact credit union for more details.