FinCliq is a smarter way to buy now and pay later, built for everyday people, not debt.

With FinCliq, you get access to interest-free Buy Now, Pay Later plans with no hidden fees, designed around your real financial life. Using alternative credit data, banking insights, and spending habits, FinCliq offers instant approvals and flexible payment options at thousands of merchants without the traditional credit traps.

WHAT YOU CAN DO WITH FINCLIQ:

- Buy now, pay later with no interest and no hidden fees

- Get instant approvals personalized to you

- Manage and track all your payment plans in one place

- Shop at over 5,000 stores and restaurants

- Purchase digital and Visa® or Mastercard® gift cards

- Use FinCliq anywhere Visa or Mastercard is accepted
(Certain merchant, product, goods, and service restrictions apply)

- Unlock exclusive offers, including cashback, Wealth Credits, and community give-back rewards

Introducing FinCliq Circles™
FinCliq Circles is a modern take on the traditional ROSCA (Rotating Savings and Credit Association). Circles help you save, support one another, and access funds responsibly, without interest by pooling money with trusted members in a transparent, app-managed system. It’s community-powered finance, reimagined for today.

Pay on time. Get rewarded.
FinCliq rewards responsible payments with Wealth Credits, helping you work toward long-term financial goals while also giving back to your community.

FinCliq isn’t just about making purchases, it’s about building healthier financial habits, empowering communities, and putting people first.