For Shoppers | For Merchants

Buy Now. Pay Later.
Build Wealth.

Split your purchase into interest-free payments and unlock up to 1% of your plan value to invest in your future.

See how it works
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FInCliq Member Shopping
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How to use

Our Simple Process

Use FinCliq at participating locations just look for our 'FinCliq Partner' sticker on store doors or at checkout. You can also use FinCliq when shopping online.

Step 1: Sign Up & Get Approved
Step 2: Shop & Split Your Payments
Step 3: Earn Investment Credits
FinCliq Estimated Purchase Power
Flexible Payment Plans

Tailored for Every User and Purchase

Meet The BNPL Platform That Pays It Forward with access for all, transparent fees, no APR or hidden charges. It's your future. We're just helping you fund it.

Professional Services
Client Payments, Subscriptions & More...
$320.60
Travel
Flights, Hotels, and More...
$2,630.45
Family & Friends
Groceries, Activities and more...
$2,180.75
Casual Users
Shopping, Dining Out, and More...
$2,450.30
Entrepreneurs
Business Growth, Marketing, and More...
$15,670.90
Features

See Everything in Your Dashboard

Track your purchases, manage payment plans, earn investing credits, and watch your financial progress—all in one place. Your journey to building wealth starts here.

FinCliq Member and virtual card
Secure Transactions

Protect your financial data with top-tier encryption to ensure safe and secure transactions.

Payment Plan Management

Access live financial insights to make informed decisions and stay updated on your payments.

Investment Credits
Real-Time Analytics

Tailor your dashboard to display key financial metrics and goals that matter most to you.

FinCliq vs. Traditional BNPL Providers

At FinCliq, we’re not just another Buy Now, Pay Later option. We help you pay over time without interest, while also giving you the tools to build long-term wealth.

Traditional BNPL

FinCliq

0% to 36% APR, depending on provider
Always interest free
Often hidden fees
Low fees - transparent upfront
Loan-based or credit-based model
Sales-based financing (merchant cash advance)
None
Up to 1% of purchase returned as investment credit
May require fair to good credit
Alternative credit data used via Consulytica
Consumption-driven, no long-term focus
Build wealth, not debt, pay over time & invest
Only BNPL options
Personal loan options from partners
Consumer FAQ

Frequently Asked Questions

What is FinCliq?
Is FinCliq a lender?
How do FinCliq payment plans work?
Is there a credit check?
Are there any fees?
Do I earn rewards or cash back?
Get Started Today

Split your purchases into affordable payments.

Your data and transactions are protected with cutting-edge encryption and multi-factor authentication.

53

Lending Partners

500+

Retailers

100k+

Orders

99.99%

Uptime
FinCliq Estimated Purchase Power