BNPL is a flexible payment option that allows you to purchase items now and pay for them over time through scheduled instalments. It's a simple and convenient way to access higher priced items without paying the full price all at once. It allows you to have the item immediately and make small manageable payments tailored to suit your budget.

CrediQ is an affordable way to purchase items at your preferred merchants.  We provide those products to you through easy payment options.  When shopping with our partner merchants, select CrediQ at checkout. You will complete a quick application and once you are approved, you will be automatically notified. This usually happens within 48 hours.  The merchant is notified as well and will proceed to finalise your sale and delivery.

Not necessarily. We consider more than your credit score. And we know people's circumstances can change. We believe in second chances. Share your current data with us and we will get back to you.

CrediQ payment plans include the value of your purchase and service charges. The monthly payment is a function of the purchase value, service charges and the length of time over which you wish to repay the total amount. There are no hidden fees in your instalments.

Purchase through CrediQ involves a soft credit check, which does not impact your

credit score. In fact, applying for credit and repaying your instalments on time may actually improve your credit rating making it easy for you to access credit nationwide.

Soon CrediQ can be used for a variety of products, including home goods, electronics, furniture, and hardware items. But at the moment you can purchase eye wear at Value Optical. Our goal is to make essential purchases more accessible to you.

CrediQ plans to have multiple payment options: you can pay at your Value Optical branch, and will soon be able to pay online through your dedicated portal access. All CrediQ customers have access to their portal where they can see their outstanding balance, payment history and make their instalments without leaving the comfort of their homes.

Yes you can.  We understand that people's circumstances change and at CrediQ our goal is to make it as convenient as possible for our customers who we hope to become lifestyle partners.

We recommend contacting our support team immediately to discuss your options and avoid further penalties.