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Pay in interest‑free installments1 at thousands of merchants, and earn up to
2% back to grow your wealth2, plus 0.5% to support community initiatives.
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Use FinCliq at participating locations just look for our 'FinCliq Partner' sticker on store doors or at checkout. You can also use FinCliq when shopping online.
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Meet the platform that pays it forward with access for all, transparent fees, no APR or hidden charges. It's your future. We're just helping you fund it.
Track your purchases, manage payment plans, earn investing credits, and watch your financial progress—all in one place. Your journey to building wealth starts here.
Protect your financial data with top-tier encryption to ensure safe and secure transactions.
Access live financial insights to make informed decisions and stay updated on your payments.
Tailor your dashboard to display key financial metrics and goals that matter most to you.
At FinCliq, we’re not just another Buy Now, Pay Later option. We help you pay over-time without interest, while also giving you the tools to build long-term wealth.
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.
