Buy Now, Pay Later A shed financing option from Slice℠ by FNBO.

FNBO is First National Bank of Omaha – a “Great Big Small Bank” offering financial solutions to customers for over 160 years.  FNBO is an independent and family-owned bank with nearly 5,000 employees and locations in 7 states.   

This loan allows you to make affordable monthly payments – you can split paying for your purchase into as little as 60 days.  From day one, you know how long you’ll pay, and you know how much you’ll pay because we never charge late fees or other hidden fees.

Your loan account will have no late fees, no early payment fees, no annual fees, and there are no fees to open or close your loan account.  However, it is possible that fees and charges may be assessed by the institution of your payment account (like your bank or credit card issuer), such as overdraft fees, late fees, interest or other finance charges.

It depends.  The APR you are charged will vary based on the type of loan you take out and your creditworthiness. The exact terms that apply to your purchase will be provided in the Loan Agreement, available for review before you accept any terms and take out a loan.  

Yes, as long as you qualify for an additional loan.  You can manage all your loans and payments from the same online Self Service Portal once you have taken out a loan.

When you click “Check Eligibility”, FNBO will prequalify you for a loan and provide you an estimate of how much you can borrow, and in some cases, rates and terms.   While the number provided will be the full amount you could borrow, you don’t have to borrow that much…. and you are in no way obligated to pay back this amount unless you actually borrow it. Checking your eligibility for a loan will NOT affect your credit score.  FNBO performs a soft credit inquiry when we check your eligibility.  This soft inquiry will not affect your credit score and will only be visible to you on your credit report, not to others.  At this time, FNBO does not perform a hard inquiry to your credit or report the tradeline to the Credit Bureau. 

FNBO will ask you to provide personal information like your date of birth and Social Security Number when we check your eligibility.  This is because we want to verify it’s really you and that you qualify for a loan.  Rest assured, we will keep all your information safe using bank-level security.  And checking eligibility will NOT impact your credit score.  

Checking your eligibility for a loan will NOT affect your credit score.  FNBO performs a soft credit inquiry when we check your eligibility.  This soft inquiry will not affect your credit score and will only be visible to you on your credit report, not to others.  At this time, FNBO does not perform a hard inquiry to your credit or report the tradeline to the Credit Bureau. 

FNBO will look at a variety of factors when determining your eligibility and the terms and amount of your loan, including your credit score, the relationship between income and debt payments, credit experience, and repayment history.  

For some loans, you will complete your loan application and then be issued a Digital Card.  This Digital Card will have a 16-digit account number, expiration date, and CVV which you can use at the point of sale to complete your purchase.  Once the purchase is complete using the Digital Card, your loan will begin for the final amount of the purchase at the terms you agreed to during the application process. 

The amount of time that you can use your Digital Card and how many times you can use it could vary and will be explained during the loan application process. 

You can still use the Digital Card.  Your loan will be opened for the amount of the purchase (not the higher amount you requested originally), and you will be sent a revised payment schedule that matches your loan.

If you try to use your Digital Card for an amount higher than you originally requested, it will be declined. 

If you decide you no longer need a loan, simply access your Digital Card and click Cancel.  If you do not use your Digital Card before it expires or is canceled, the Loan Agreement you signed during the application process will be canceled and your loan will not be started. 

Yes!  There are no penalties for early payments.  We want you to have the flexibility to borrow money when you need it and pay it back when you don’t.   You can make additional and early payments using our Self-Service Portal once you have taken out a loan.

Yes!   Setting up automatic payments gives you the peace of mind that your loan will be paid on time each time a payment is due.  You will be prompted to set up automatic payments when you apply for a loan and can make changes to your AutoPay using our Self-Service Portal once you have taken out a loan.   Please note:  If your payment is returned or rejected, FNBO may reattempt this payment until it can be successfully drafted from your institution up to four times or until at FNBO’s sole discretion the payment is deemed unable to be processed.

After you check out, the merchant finalizes your order and, in some cases, prepares it for shipment. During this time, your purchase is in merchant processing; once the merchant finalizes the purchase, often at the time it ships, your loan will begin and we will send you an email with your finalized due date and payment information. 

If you take out a “Pay in 5” loan, your first payment will be due as soon as the merchant finalizes processing your order, and then payments will be due every 15 days after that. For orders paid with longer terms, your payment is due on the same day each month, starting one month after your loan is started. Your payment details will be listed in your Loan Agreement which you can view before accepting the loan, and will be available in the Self Service Portal once you have taken out a loan.

If you have an issue with your order or need to cancel any portion of your order, please contact the merchant to resolve the issue.   Once a return or cancellation has occurred, FNBO will update your loan after the cancellation or return is fully processed.