Who We Are
About CrediQ — Buy Now, Pay Later
About CrediQ
Buy now, pay later—on clear terms, Flexible instalments, transparent costs, and support you can reach.
CrediQ is a Buy Now, Pay Later (BNPL) platform with a clear purpose: help expand access to affordable, responsibly underwritten consumer credit across the Caribbean through trusted merchant partnerships.
We started with a real‑life problem many Caribbean households know too well—sometimes the purchase can’t wait (new glasses, a fridge, a stove, a lounge set), but paying everything upfront is hard.
CrediQ helps remove that upfront barrier, so you can access essentials today and spread the cost over time with clear, manageable instalments.
Empower Your Purchases
Flexible Payment Solutions with CrediQ
For consumers
CrediQ helps you split essential purchases into easy monthly instalments, no hidden fees in your instalments, and clear repayment dates before you confirm.
Apply online or with a partner merchant; we’ll run a soft credit check (no impact to your credit score) and usually confirm approval within 24 to 48 hours.
Use CrediQ for purchases like eyewear, home goods, electronics, furniture and hardware items. You can pay off your balance early, and we’re building more convenient ways to pay: for eyewear purchases you can pay at your Value Optical branch, and online payments via your customer portal are planned.
Not sure where to start? Begin with our Pre‑Qualification form.
For our merchant partners
CrediQ helps merchants increase conversion, market share and average transaction values by offering flexible payment options, without taking on the credit risk.
Customers choose CrediQ at checkout; your team collects the required information and completes our online application. The first transaction takes no more than 10 minutes, and future purchases are even faster.
Once approved, CrediQ settles the sale value with you upfront, no waiting, then we manage the customer account and instalment collection over the agreed credit period.
We’ll also work with you to design payment options tailored to your business and the products you sell (typically 6 to 36 months)
Our Values
Our guiding values shape every decision we make at CrediQ
Customer First
We believe everyone, regardless of background, deserves access to life’s necessities with respect, clear terms and great service.
Merchant Partnerships
We collaborate with like‑minded merchants to drive meaningful, stable growth—prioritising long‑term relationships over short‑term gains.
Integrity & Governance
We build trust through transparent disclosures, robust policies and responsible risk management.
Community Commitment
We aim to strengthen the Caribbean communities we serve by expanding responsible access to affordable, retailer‑embedded credit.
Our Story
CrediQ was created for a simple and powerful reason: in the Caribbean, essential purchases often come at the wrong time. Whether it’s a pair of glasses for school, a new fridge for your home, waiting until payday isn’t always an option — and paying the full amount upfront can put serious strain on your monthly budget. Traditional credit products aren’t always a comfortable fit for everyone, especially when you need something today, not months from now. That’s why CrediQ was founded: to offer people and families a fair, flexible financing option that gives them control and confidence.
At its heart, CrediQ is a Buy Now, Pay Later (BNPL) service built with transparency, simplicity, and trust in mind. With CrediQ, you can make necessary purchases immediately and spread the cost over time in easy-to-manage instalments that suit your lifestyle. Unlike credit cards or traditional loans that may involve high interest or complicated terms, CrediQ’s instalment plans are designed to be straightforward — with clear schedules and no hidden surprises.
