ExtendPay Loans and Plans are offers that allow you to divide certain transactions into affordable monthly payments, for a fixed monthly fee. A combination of an ExtendPay Loan and ExtendPay Plans are allowed at the same time. However, the combined totals can’t exceed 50% of the credit limit.

There’s no interest charged during this period, and you get to choose the payback period. Loan duration, monthly payment amount, and applicable ExtendPay fees are calculated during your setup.

ExtendPay Loans are cash advances from a credit card account, which are transferred into a valid deposit account.

• One active ExtendPay Loan is allowed on an account at any given time, up to 25% of the credit limit.
• The loan amount is divided into monthly payments for the duration of the payback period.
• Funds can only be deposited to an eligible, pre-validated account at a financial institution in the United States.
• If you have a rewards credit card, these loans do not earn rewards, since the transaction is a cash advance.

ExtendPay Plans are offers that allow you to divide eligible credit card purchases into monthly payments for a chosen payback period.

• You can have as many ExtendPay Plans as you’d like at the same time. The plan(s) totals can’t exceed 50% of the credit limit.
• If you have a rewards credit card, these plans do earn rewards since the transaction is a purchase.