4Front Credit Union Launches Buy Now, Pay Later for Members Across Michigan

Finance

equipifi, 4Front Credit Union, equipifi; 4Front Credit UnionNovember 9, 2026

Michigan credit union serving more than 100,000 members brings flexible installment payments into its digital banking experience.

TRAVERSE CITY, Mich., Nov. 9, 2026 /PRNewswire/ — 4Front Credit Union (4Front) today announced Buy Now, Pay Later (BNPL) for members, available directly in 4Front’s mobile and online banking. Members can split eligible purchases into fixed installment payments with their 4Front checking account and manage plans next to their balances, transfers, and bill payments.

With 4Front's BNPL program, members may be able to check how much they can spend before they shop, pick a payment schedule that suits their budget, and manage plans and installments from their digital banking app.

4Front has invested steadily in its digital banking experience, and members log in more than a million times each month. Adding BNPL to that experience puts a flexible payment option in the place where members already make everyday money decisions, in keeping with the credit union’s commitment to smart, simple banking.

With 4Front’s BNPL program, members may be able to check how much they can spend before they shop, pick a payment schedule that suits their budget, and manage plans and installments from their digital banking app. As an in-house 4Front offering, members can borrow directly from their credit union, with no extra app to download and no third-party account to open.

“Members tell us they want banking that is smart and simple, and that includes how they manage their budget and pay for the things they need,” said Andy Kempf, CEO at 4Front Credit Union. “Many were already using pay over time apps with external providers. Now they can split purchases through 4Front, and see exactly what their purchasing power is with a credit union they own.”

4Front partnered with equipifi, a BNPL platform built for banks and credit unions, to deliver the program. The solution is embedded in 4Front’s secure digital banking environment, and members are supported by the same 4Front team they rely on today.

“Primacy is earned in everyday decisions, including the moments when consumers decide how to pay,” said Bryce Deeney, Founder and CEO of equipifi. “4Front already has one of the most engaged digital audiences among credit unions its size. Giving those members a pay-over-time option inside their banking app keeps those moments, and the relationships behind them, with the credit union.”

BNPL is available to eligible 4Front members statewide. Membership is open to anyone living, working, worshipping, or doing business in any of Michigan’s 83 counties.

About 4Front Credit Union

Celebrating more than 70 years of service in Michigan, 4Front Credit Union is a member-owned financial cooperative serving more than 100,000 members, with over $1 billion in assets and twenty locations across the state. Formed in 2015 through the merger of Members Credit Union and Bay Winds Federal Credit Union, 4Front is committed to making banking smart and simple for members wherever they are on their financial journey. Learn more at www.4frontcu.com.

About equipifi

equipifi enables banks and credit unions to offer flexible payments and Buy Now, Pay Later as a native capability within their digital banking platforms. By embedding installment lending directly into the institutions consumers already trust, equipifi helps financial institutions deepen the banking relationship, grow their lending portfolio, and compete effectively in a payments landscape defined by evolving consumer expectations. Learn more at equipifi.com.