Buy Now, Pay Later & Hire Purchase Made Simple
Whether you call it
Buy Now, Pay Later (BNPL) or Hire Purchase, CrediQ helps make essential purchases more affordable through manageable monthly instalments. Our financing solutions allow you to shop with participating retailers across Trinidad and Tobago while spreading the cost over time instead of paying everything upfront. With clear terms, transparent repayments and responsible lending, CrediQ provides a modern way to finance the products you need.
Flexible Buy Now, Pay Later & Hire Purchase Solutions
Life doesn't always wait until you've saved enough. When your refrigerator stops working, your air conditioner needs replacing or your family requires new furniture or eyewear, delaying the purchase may not be an option.
CrediQ offers flexible
Buy Now, Pay Later and Hire Purchase financing designed to help you access essential products today while repaying through affordable monthly instalments. Our goal is to help you budget confidently without compromising on quality or delaying important purchases.
Products You Can Finance with CrediQ
CrediQ partners with trusted retailers across Trinidad & Tobago to help you finance the products that matter most. Whether you're replacing an essential household item, furnishing a new home or investing in greater comfort, our Buy Now, Pay Later and Hire Purchase solutions make it easier to spread the cost over affordable monthly instalments.
Furniture
Transform your living space with financing for lounge suites, dining sets, bedroom furniture, wardrobes, entertainment units, office furniture and more.
Home Appliances
Finance everyday essentials including refrigerators, freezers, stoves, ovens, washing machines, dryers, microwaves and other household appliances that keep your home running smoothly.
Air Conditioners
Stay comfortable year-round with financing for wall-mounted and inverter air conditioning systems for your home or office.
Electronics & Home Entertainment
Purchase televisions, sound systems and selected home entertainment products through affordable monthly repayments.
Mattresses & Sleep Solutions
Choose from quality mattresses, bed bases and sleep products designed to improve comfort and support for the whole family.
Eyewear
Finance prescription glasses, sunglasses, lenses and selected eye care products through participating optical retailers.
Home Security
Protect your home with financing for alarm systems, CCTV cameras, video doorbells, smart monitoring equipment and other security solutions.
Home Improvement
Complete your renovation or upgrade projects with financing for hardware, building materials, lighting, plumbing supplies, electrical products and other home improvement essentials.
Kitchen Essentials
Upgrade your kitchen with financing for small appliances, cookware and other products that make everyday cooking and entertaining easier.
Seasonal & Lifestyle Products
Depending on the participating retailer, CrediQ financing may also be available for selected seasonal, lifestyle and specialty products, giving you even more flexibility when you shop.
Find Participating Retailers
CrediQ continues to expand its network of trusted merchant partners across Trinidad & Tobago, making it easier to access Buy Now, Pay Later and Hire Purchase financing wherever you shop. Visit our Partners page to discover participating retailers and explore the products available with flexible monthly payments.
Why Choose Us?
Traditional financing can often involve lengthy processes and complex requirements. CrediQ simplifies the experience by combining technology with responsible lending to provide a faster, more convenient customer journey. Our focus is on helping consumers access financing that fits comfortably within their monthly budgets. Consumers choose CrediQ because we offer:
Transparent financing terms
No dual pricing – pay the merchant's cash price
Affordable monthly repayments
Secure online application process
Trusted retail partners across Trinidad & Tobago
Flexible repayment options
Responsive customer support
Responsible credit assessments
Finance the Things That Matter Most
Every household experiences unexpected expenses. A broken refrigerator, a new bed, prescription eyewear or a replacement air conditioner can quickly become urgent.
Rather than postponing important purchases, CrediQ helps you access the products you need today through flexible Buy Now, Pay Later and Hire Purchase financing. Predictable monthly repayments make budgeting easier while allowing you to enjoy your purchase immediately.
Responsible Lending You Can Trust
Responsible lending is at the heart of everything we do. Every application is assessed individually to ensure financing remains affordable and appropriate for each customer.
Before you accept your agreement, you'll clearly understand:
- Your monthly repayment amount
- Your repayment schedule
- The total amount payable
- Payment due dates
- Your agreement terms and conditions
Transparency helps you make informed financial decisions with confidence.
Why Buy Now, Pay Later is Growing in Trinidad & Tobago
More consumers are choosing Buy Now, Pay Later and Hire Purchase because these financing options provide greater flexibility when purchasing essential household items. Rather than waiting months to save for major purchases, customers can spread payments across affordable monthly instalments while keeping more cash available for everyday living expenses.
This approach helps families better manage their household budgets while still purchasing quality products from trusted retailers.
Your Questions Answered
Frequently Asked Questions
Get what you need today, pay in easy monthly installments. No hassle, no stress.
What is Buy Now, Pay Later (BNPL)?
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.
What is Hire Purchase?
Hire Purchase is a financing option that allows you to purchase eligible products and repay the cost through fixed monthly instalments over an agreed period, rather than paying the full amount upfront.
How does CrediQ's BNPL service work?
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.
Do I need good credit to apply?
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.
Are there any hidden fees?
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.
Will applying for CrediQ affect my credit score?
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.
What types of products can I purchase using CrediQ?
CrediQ can be used for a variety of products, including eye wear, home goods, electronics, furniture, and hardware items. Our goal is to make essential purchases more accessible to you.
How do I make payments?
CrediQ plans to have multiple payment options: for eye wear purchases 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.
Can I pay off my balance early?
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.
What happens if I miss a payment?
We recommend contacting our support team immediately to discuss your options and avoid further penalties.
Can I finance furniture through Hire Purchase?
Yes. CrediQ works with participating furniture retailers to offer Buy Now, Pay Later and Hire Purchase financing on a wide selection of household furniture and mattresses.
Can I finance appliances?
Yes. Many refrigerators, washing machines, stoves, dryers, televisions and air conditioners available through participating merchants can be financed using CrediQ.
Is CrediQ available throughout Trinidad & Tobago?
CrediQ partners with retailers across Trinidad & Tobago, and our merchant network continues to expand, giving consumers more places to shop using Buy Now, Pay Later and Hire Purchase financing.
You deserve flexible payments.
Start today.
