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FinCliq is breaking barriers and redefining access. Our latest expansion allows members to shop and pay later at thousands of stores and restaurants nationwide — all powered by a new digital gift card integration built directly into the FinCliq experience.
This means whether you’re shopping online, eating out, or treating someone special, you can now use FinCliq to buy now, pay later, and even earn rewards — all with the same trusted, interest-free flexibility.
Through our new gift card feature, FinCliq users can:
It’s the simplest way to bring Moments First, Payments Later to more places than ever before.
Millions of families and consumers want flexibility without debt traps. By connecting gift cards to our pay-later model, FinCliq gives you access to your favorite brands while helping you build wealth and support your community — not just spend.
FinCliq — Flexible. Fair. Built for the People.
Shop nationwide starting November 17, 2025.
www.fincliq.io
Your data and transactions are protected with cutting-edge encryption and multi-factor authentication.
FinCliq Inc. is a financial technology company, not a bank, and does not provide loans. Payment plans are facilitated and serviced by FinCliq Loan Services LLC. A down payment may be required. A flat Flex Fee may apply for each installment plan created. For extended or custom repayment plans, an additional extended plan fee may apply. FinCliq does not guarantee any merchant offer. Eligibility is evaluated using information from Consulytica, an alternative credit bureau, and other data sources. Your payment activity may be reported to Consulytica and may impact your Consulytica profile. Payment options and availability vary by merchant and by state.
1Example: For a $400 purchase, you could pay $100 today, followed by 3 equal interest-free payments of $100 every two weeks. A one-time Flex Fee may apply. Not available in all markets and may not be available for certain types of purchases, such as subscriptions or recurring transactions.
2Wealth Credits are platform-issued rewards that may be used with select investment partners. The 2% Wealth Credit benefit and 0.5% Community Fund contribution apply only to payment plans offered by FinCliq Loan Services LLC and may not be available with all partner plans. Wealth Credits are not cash equivalents. All investments involve risk, and you may lose money.
Consumer payments to FinCliq Inc. are processed by Cliq, North American Banking Company, 2230 Albert Street, Roseville, MN 55113, and Avidia Bank, 42 Main Street, Hudson, MA 01749, Members FDIC.
For terms, licenses, and privacy information, visit fincliq.io/licenses.