The latest updates, press coverage, and stories shaping the future of FinCliq and consumer finance.
FinCliq is a checkout platform that lets you split your purchase into interest-free payments — while also helping you build long-term wealth. You shop, split your payments, and earn up to 2% of your original purchase as investing power.
No, FinCliq does not directly lend money to consumers. We partner with merchants and offer flexible payment plans at checkout through partnered providers.
You choose a FinCliq-enabled store, select the payment plan at checkout, and pay over time — always interest-free. Small service fees may apply, but you’ll never pay interest.
In most cases, no hard credit check is required. We may use alternative data to assess eligibility and offer the best plan for your situation.
You’ll pay a small platform fee once per plan, and if you need extra time, you can choose to extend your payments for an optional flat fee. FinCliq Flex Plans allow customers to split purchases into manageable bi-weekly or monthy payments. Depending on the selected duration, a one-time flat fee is charged at the start of the plan. This fee is not interest and is based solely on the plan duration selected. There re no lates fees-ever.(You’ll choose your option during checkout )
FinCliq Wealth Credits are platform-issued rewards provided to users at the successful completion of a payment plan.Unlike traditional rewards or cashback programs, Wealth Credits are not designed for spending, they are designed for building long-term wealth.When a user completes their installment plan in good standing, FinCliq automatically awards Wealth Credits to their account. These credits can then be transferred directly to a brokerage account, IRA, or other approved investment account, allowing users to grow real financial assets instead of revolving debt.If a user does not already have a brokerage account, they can easily open one through an approved FinCliq affiliate to redeem and invest their Wealth Credits.
Yes! You can earn up to 2% of your original purchase amount as investing credit, usable through one of our partnered brokerage platforms.
FinCliq Vault is an exclusive savings hub available only to FinCliq account holders. It’s filled with discounts and promotions that you won’t find anywhere else because they come directly from FinCliq, not the merchants. By unlocking Vault offers, you can save hundreds of dollars on everyday purchases. Plus, we often spotlight small businesses by directing loads of members their way, giving you unique deals while supporting local growth.
FinCliq+ is a subscription-based membership that gives you greater flexibility, savings, and control over your payments. Members enjoy reduced down payments, exclusive FinCliq Vault discounts, payment extensions when needed, and no late fees—ever. FinCliq+ also includes access to 18-month repayment plans and discounts on select gift card purchases.
Plans range from Pay-in-4 to 6-month, 12-month, and 18-month options (for FinCliq+ members). Each plan shows your down payment, number of installments, and total cost upfront — no hidden fees.
If a payment fails, FinCliq will automatically retry daily until successful. You’ll receive reminders and can update your payment method in the app anytime.
No. Wealth Credits are designed to build wealth, not spend it. They can only be transferred to approved investment accounts.
FinCliq is committed to protecting consumers when merchants fail to deliver goods or services as promised. If your order never arrives, is significantly different from what was advertised, or a service isn’t completed, you may qualify for Buyer Protection.
If something goes wrong, notify FinCliq within 30 days of the expected delivery or service date.We may ask for supporting materials such as order confirmations, receipts, or your communications with the merchant. Our team will review your claim, contact the merchant, and determine eligibility.If your claim is approved, FinCliq may reimburse you or apply a credit to your payment plan balance.Refunds are processed net of applicable fees, and you remain responsible for any remaining balance not covered by the refund.What isn’t covered?Buyer Protection does not cover: Buyer’s remorse or change of mind, Quality disputes beyond what the merchant described, Purchases in prohibited categoriesImportant:This policy supplements, but does not replace your legal rights under consumer protection laws.
The FinCliq Community Fund is our way of giving back. Every time a user successfully completes a FinCliq payment plan, 0.05% of the total plan value is automatically contributed to a Community Fund in the user’s home state.These funds are used to support local initiatives that make a real difference, from helping the homeless, to supporting small business growth, financial literacy programs, and community development projects.How does it work?Each time a payment plan is completed, FinCliq allocates 0.05% of that plan’s total amount to the fund for the user’s state of residency.Funds are pooled at the state level, ensuring that every user’s financial activity contributes directly to their own community. FinCliq reviews community needs and partners with verified organizations, nonprofits, and local programs to distribute these funds effectively.Why does FinCliq do this?Because financial progress should uplift everyone, not just individuals.FinCliq was built on the belief that responsible finance should build wealth for users and strengthen the communities they live in.Every purchase paid responsibly helps create a ripple effect, supporting local change, opportunity, and growth.Examples of Community Fund initiatives:Emergency assistance and shelter for individuals experiencing homelessness, Micro-grants for small business startups and minority-owned enterprises, Financial education workshops and youth mentorship programs, Community beautification and public resource projectsTransparency & ReportingFinCliq will publish regular Community Impact Reports highlighting contributions by state, supported organizations, and measurable outcomes, ensuring users can see the real-world impact of their responsible payments.
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