Introducing GatherFLEX
GatherFLEX from Gather Federal Credit Union offers two types of services available to eligible members with a checking account.
Whether you are planning a purchase or looking to spread out payments for one you’ve already made, GatherFLEX from Gather Federal Credit Union can help manage your cash flow and stay within your budget.
Services
- Plan Your Purchase offers are for members who need funds upfront to make a purchase and would like to pay for the loan in installments over time.
- Split Your Payments offers are available to members who have already made eligible debit card purchases and would like to pay for those purchases in installments over time.
How Can I Access?
To access your GatherFLEX offers, simply log into digital banking and locate “GatherFLEX” on your dashboard or in the side menu options.
View and accept your available GatherFLEX offers in seconds and accept the repayment terms that work for you. You will receive your funds in your account in moments.
You’re already qualified.
- No credit check.
- No application. Your GatherFLEX offers are tailored for you and are pre-qualified. Simply view and accept to proceed.
- No new cards and accounts. Continue using your existing Gather Federal Credit Union checking account and debit card when accessing offers.
- Everything in your online banking. Review and manage your GatherFLEX offers, plans, and payments in one place.
Frequently Asked Questions
Where can I find my GatherFLEX offers?
GatherFLEX offers are found in Gather Federal Credit Union’s Digital Banking from the "GatherFLEX" tab.
How do I apply for a GatherFLEX loan?
There is no application for a Gather Federal Credit Union GatherFLEX loan. All Split Your Payment and Plan Your Purchase GatherFLEX offers found within your Online Banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement in your email.
How soon will I see my purchase amount deposited back into my account?
After you have accepted a Gather Federal Credit Union GatherFLEX offer, your purchase amount will be deposited into your account in moments. In some cases, it can take up to 24 hours.
Does GatherFLEX require a credit check?
No, Gather Federal Credit Union’s GatherFLEX offering does not require a credit check.
Can I pay off my GatherFLEX plans early?
Yes. You can pay off your GatherFLEX plans early within your Gather Federal Credit Union Online Banking or at a branch.
Why can't I see any GatherFLEX offers?
If you do not see any GatherFLEX offers, this may be because your current account status is not eligible for GatherFLEX. If you already have active GatherFLEX plans, you may not be eligible for additional offers until the active plans are paid back.
If you are eligible for Plan Your Purchase but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for GatherFLEX.
If you are eligible for Plan Your Purchase but do not see Split Your Payment offers, this may be because your recent debit card purchases are not eligible for GatherFLEX.
What makes a purchase eligible for Split Your Payments offers?
A purchase eligible for Split Your Payments is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect GatherFLEX eligibility.
Does my use of Plan Your Purchase impact the Split Your Payments loans available to me?
Yes. Your eligibility for GatherFLEX offers is partly determined by the number of outstanding loans you have active. Therefore, taking out Plan Your Purchase loans may impact how many Split Your Payments offers they are eligible for, and vice versa.