Flex Payments: Credit Card Installment Plans
Sunward Flex Payments lets eligible Visa Signature cardholders split purchases of $100 to $2,500 into fixed monthly payments.
No plan fees. No additional credit check. Interest applies at your plan's fixed rate.
Get started in online banking from your computer. Flex Payments is currently available on desktop only.
Flex Payments rates and repayment terms
| Repayment term | Fixed APR |
|---|---|
| 3 months | 10.99% |
| 6 months | 11.99% |
| 12 months | 12.99% |
Not every purchase qualifies for every term. Your available options will appear in online banking before you accept a plan.
*APR means Annual Percentage Rate. Interest starts when you accept your plan, with no grace period on plan interest. See important details below.
How to set up a Flex Payments plan
Quickly and securely contact us about your accounts
- Log in to online banking from your computer. Select Cards, then Credit Card Account.
- Select Launch. If this is your first visit, follow the enrollment prompts.
- On the Account Summary screen, select Installment Payments.
- Open Eligible Purchases and choose a purchase.
- Review the available terms, monthly payment, APR, and estimated total cost. Accept the plan that fits your budget.
You can review active plans under Enrolled Purchases. Plan details also appear on your monthly credit card statement.
Check your autopay settings before you enroll
If autopay is set to pay your full statement balance, it may pay off your entire installment plan early. If it's set to Minimum Payment Due, your monthly plan payment is included in that amount.
Flex Payments questions, answered
Who can use Flex Payments?
Flex Payments is available on eligible Sunward Visa Signature accounts that are current and in good standing. Borrowers, co-borrowers, and co-signers may accept a plan. Authorized users cannot enroll.
Which credit card purchases qualify for Flex Payments?
Standard purchases between $100 and $2,500 may qualify once they’ve posted to your account, but only before they appear on a monthly billing statement. Cash and cash-equivalent transactions are excluded.
Not every purchase qualifies.
Does Flex Payments increase my credit limit?
No. Flex Payments uses your existing Visa Signature credit line. It doesn’t increase your credit limit or allow you to exceed it.
How many installment plans can I have?
You can have up to 10 active Flex Payments plans per account.
How do I make my Flex Payment?
Your monthly payment is included in your credit card Minimum Payment Due. There’s no separate bill.
Pay at least the Minimum Payment Due by your due date each month to stay on schedule.
When does interest start on a Flex Payments plan?
Interest starts when you accept your plan.
Your plan appears on the first billing statement after acceptance, but the plan interest won’t display until the second billing cycle.
Can I avoid interest on purchases outside my installment plan?
If your statement includes an Interest Avoidance Balance, paying that amount in full by the due date may allow you to avoid interest on eligible purchases outside your plan.
The Interest Avoidance Balance includes your monthly plan payment without requiring you to pay off the entire remaining plan balance. Interest still applies to your Flex Payments plan.
Can I change, cancel, or pay off my plan early?
You can’t change or cancel a Flex Payments plan once you accept it. You can pay it off early without a penalty.
Extra payments generally go toward your highest APR balance first, so they may not pay down your installment plan first. For help paying off a specific plan, call us directly at 800.947.5328.
What happens if I return a purchase in a Flex Payments plan?
A return won’t automatically be applied to your installment plan. Call us directly at 800.947.5328 to notify Card Services so we can help close the plan and address the return.
What happens if I miss a payment?
Past-due plan payments may be added to a later Minimum Payment Due. Additional interest may accrue, and your plan may take longer to repay.
If a plan becomes delinquent or is otherwise removed, its remaining balance returns to your card’s standard purchase APR at that time.
If you’re having trouble making a payment, call us at 800.947.5328.
Important Flex Payments details
- Flex Payments is available only on eligible Sunward Visa Signature accounts. Account, transaction, and plan eligibility requirements apply. Not all accounts or purchases qualify, and available terms vary.
- Your plan's APR, monthly payment, number of billing periods, and other applicable terms will be disclosed before you accept. The fixed plan APR applies while the purchase remains in the plan.
- See the Credit Card Agreement PDF and your individual plan terms for complete details.