Meme CU Expands Lending Program: From BNPL to “Buy Now, We Don’t Expect You to Pay”
In response to evolving member expectations and internal KPI fatigue, Meme CU has announced a tiered lending strategy designed to offer flexibility, freedom, and minimal fiscal friction.
Phase 1: Buy Now, Pay Later
Members enjoy a classic BNPL structure with 3–4 month terms. Common uses include burritos, hoodies, and feelings.
Members enjoy a classic BNPL structure with 3–4 month terms. Common uses include burritos, hoodies, and feelings.
Phase 2: Buy Now, Pay Even Later
Upon reaching the end of Phase 1, eligible members (everyone) may seamlessly convert their balance into an open-ended payment plan with no pressure and even less oversight.
Upon reaching the end of Phase 1, eligible members (everyone) may seamlessly convert their balance into an open-ended payment plan with no pressure and even less oversight.
Phase 3: Buy Now, We Don’t Expect You to Pay
As a final option, Meme CU offers complete financial forgiveness in the form of emotional detachment. No statements. No collections. Just vibes.
As a final option, Meme CU offers complete financial forgiveness in the form of emotional detachment. No statements. No collections. Just vibes.
“Our goal is to avoid delinquency and charge-offs. Your goal is stuff. This meets both,” said the VP of Lending Strategy, motioning toward a recently financed ergonomic chair.
All tiers are powered by our proprietary DeferredCore™ technology, which includes a built-in shredder for any past-due alerts accidentally generated by compliance.Early feedback from members has been overwhelmingly neutral, with most respondents clicking “Maybe” on our satisfaction survey.For more information or to apply for retroactive forgiveness, please visit any branch and make confident eye contact with a staff member holding a clipboard.