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Download the App or Get Started
Look for the “FinCliq Buy Now, Pay Later Partner” badge at the door, register, or website checkout.
Open the FinCliq app, find the merchant and type in the total amount of your purchase.
Our smart AI and Consulytica our data partner reviews your info and presents up to 3 plan options.
Pick a flexible repayment option that fits your budget. Options may vary by location.
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After choosing your plan, present your unique FinCliq QR code at checkout.
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You can link your debit card or bank account to automate your payments and stay on track.
At FinCliq, we go beyond buy now, pay later, offering interest-free flexibility, built-in rewards, and tools designed to support smarter spending and long-term financial progress.
Get rewarded for responsible payments. When you pay your plan on time, you earn Wealth Credits that help you build toward future purchases and long-term financial goals.
Save better, together. Join or create a savings circle where members contribute regularly and take turns receiving funds to support planned purchases and shared goals.
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 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.
Some services may include automatic or recurring payments. By enrolling in Autopay, you authorize recurring debits from your selected payment method in accordance with your plan terms.
FinCliq Balance and Savings Circles are not bank accounts, are not FDIC insured, and are not redeemable for cash. Funds are usable only within the FinCliq platform and with approved merchants or products.
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 partners. Wealth Credits are not cash equivalents and are not investment advice. Availability and terms may vary.
FinCliq+ membership benefits do not guarantee approval, increased purchase power, or eligibility for specific plans. Membership terms apply.
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.
All trademarks are the property of their respective owners. Brand names are used solely to identify gift cards available through FinCliq. FinCliq is not affiliated with, sponsored by, or endorsed by these brands. Visa is a registered trademark of Visa International Service Association. FinCliq is not affiliated with or endorsed by Visa. Mastercard is a registered trademark of Mastercard International Incorporated. FinCliq is not affiliated with or endorsed by Mastercard.
For terms, licenses, and privacy information, visit fincliq.io/licenses.