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Works best for Mid-to-high ticket businesses. Average Order Values (AOV): $35 – $2,000. FinCliq Loan Services LLc funds the purchase and is the financing provider; you're paid upfront (less your plan fee) and carry no repayment risk to you.
Small Fee Per Approved Transaction
Standard Approvals
Payout Timing 1-3 Days
Ideal for boutique furniture, auto repair, electronics, dental, wellness, and appliance retailers.
Offer your customers:
Best for established, trust-based businesses that want full control over payment plans, are comfortable managing repayment risk, and often serve repeat or membership customers.
Per Approved Transaction
Payout your customer pays
For businesses who want the power to define their own customer payment experience with FinCliq behind the scenes handling the tech, screening, and collections.
You stay in control.
Keep track of all past transactions, with detailed logs for easy reference and analysis.
Manage multiple accounts in one place, offering seamless transitions and financial oversight across various accounts.
Stay connected to your finances on the go with a fully-featured mobile app for both iOS and Android devices.
Set personalized notifications for spending limits, bill due dates, and account balance changes to stay informed.
Simplify your tax filing process with automatic generation of financial reports for tax purposes, including income, expenses, and deductions.
Easily link your preferred payment methods and make seamless payments directly from your account with integrated systems.
FinCliq Inc. is a financial technology company, not a bank, and does not provide loans. Payment plans are issued 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.