FinCliq

FinCliq is a new kind of Buy Now, Pay Later (BNPL) platform built to help everyday consumers make smarter purchases, without the debt traps.
We offer interest-free installment plans at participating merchants, personalized using alternative credit data, banking insights, and your financial habits. Best of all, FinCliq rewards you for paying on time with Wealth Credits, helping you build toward long-term goals, not just short-term purchases.

And with exclusive deals at your favorite local and online merchants, you’ll save even more while spreading out your payments.

How it works:

- Estimate your purchase – Tell us what you’re buying and where.
- Link your bank – Securely connect your account via our trusted financial partner.
- Get instant offers – Choose from 2–3 customized plans based on your finances.
- Pay your way – Make a down payment and split the rest over time, interest-free.
- Earn as you repay – Get Wealth Credit and community rewards for on-time payments.

Why FinCliq?

- No interest. No hidden fees. No credit score required.
- Fast approvals based on your real financial behavior.
- QR code checkout for in-store purchases.
- Exclusive savings and promotions from your favorite merchants.
- Track all your plans in one simple dashboard.
- Built for underserved communities, with features that empower, not penalize.

For Merchants:

FinCliq helps you increase sales and serve more customers, without taking on consumer credit risk. If you're a business owner, visit www.fincliq.com/merchants to get started.