Split your purchases into smaller, manageable payments. Choose 4 or 7 installments — weekly, bi-weekly, or monthly — based on eligibility and purchase requirements.
RMO Buy Now, Pay Later by RMO Payment Services lets you split eligible purchases into 4 or 7 easy payments. Your payment schedule — weekly, bi-weekly, or monthly — is determined by your eligibility and the purchase amount.
When making a purchase with a participating merchant or through RMO, select Buy Now, Pay Later as your payment option.
RMO reviews your eligibility in seconds. If approved, you’ll see your payment schedule — the number of installments, frequency, and amount per payment.
Your first payment is collected at purchase. The remaining installments are automatically charged on your selected schedule until paid in full.
Depending on your eligibility and purchase requirements, you can split your purchase into one of the following plans:
Split your purchase into 4 equal installments. Ideal for everyday purchases. Choose weekly, bi-weekly, or monthly depending on eligibility.
Spread larger purchases across 7 installments for lower per-payment amounts. Available for qualifying purchases with weekly, bi-weekly, or monthly frequency.
Pay off your balance faster with weekly installments. Great for smaller purchases where you want to be done quickly.
Align payments with your pay cycle. Monthly installments give you the most time between payments for larger purchases.
Know in seconds whether you’re approved. No lengthy applications, no hard credit pulls, no waiting around.
What you see is what you pay. No interest charges on standard plans, no surprise fees, and no penalties for early payoff.
Every transaction is backed by RMO’s zero-fraud liability and dispute resolution. You’re protected from unauthorized charges.
256-bit encryption protects your payment data. RMO never sells your information to third parties.
Track all your installment plans, view upcoming payments, and manage your schedule directly inside your MyRMO account.
This isn’t a third-party BNPL service. It’s a benefit powered by RMO Payment Services, designed for the members we serve.
Buy Now, Pay Later is available to eligible RMO members at checkout. Sign in to MyRMO to check your eligibility or become a member to get started.
Eligibility is determined at checkout based on factors including your membership standing, account history, and the purchase amount. There is no separate application — you’ll know instantly if you qualify.
RMO does not perform a hard credit inquiry for Buy Now, Pay Later approvals. Standard plans do not report to credit bureaus. However, failure to make payments may result in account restrictions.
Standard Buy Now, Pay Later plans carry no interest and no fees. Late or missed payments may incur fees depending on your plan terms. Review your payment agreement for full details.
Yes. You can pay off your remaining balance at any time through MyRMO with no early payoff penalties.
The number of installments available to you depends on your eligibility and the purchase amount. If both options are available, you can select the plan that best fits your budget at checkout.
Buy Now, Pay Later is available at participating merchants and for purchases made through RMO services. The option will appear at checkout when available for your transaction.
