Ever hesitated at checkout, wondering if now’s the right time to buy? You’re not alone—and that’s why we built SmartFlex, FinCliq’s adaptive payment technology powered by machine learning.

SmartFlex doesn’t just split payments—it learns from real consumer patterns to offer personalized plan options that fit your lifestyle, without affecting your credit score.

Smarter Plans, Seamless Checkout

When you reach checkout, SmartFlex instantly uses machine learning to evaluate factors like purchase size, your repayment history, and even your cash flow timing. Within seconds, you see the plans that make the most sense for you:

• Lowest total cost
• Smallest installment
• Payday-aligned schedules

No paperwork. No waiting. Just options that adapt to you.

Flexibility In-Store Too

SmartFlex doesn’t stop online. At salons, auto shops, or local boutiques, our QR-based experience makes in-person payments just as smart. Select your plan in the app, generate a QR code, and let the merchant scan it. SmartFlex activates your plan instantly and processes your down payment securely.

Behind the scenes, machine learning ensures these plans are not only flexible, but also realistic—designed to help you succeed with repayment and build confidence over time.

Why SmartFlex Matters

• For shoppers: Personalized plans, no credit checks, no hidden fees.
• For merchants: More completed transactions, larger basket sizes, and repeat customers who trust the process.
• For communities: Every plan contributes to Wealth Credits for users and FinCliq’s Community Fund.

A Smarter Way to Pay

With SmartFlex, FinCliq is bringing intelligence into everyday payments. Whether you’re online or in-store, you get personalized, adaptive options designed to fit your life—not the other way around.

SmartFlex: flexibility that learns from you.