Comparison

Dirhami Shopping vs FinCliq

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Dirhami Shopping

Split purchases into 10 interest-free installments using major credit cards, Apple Pay, or Google Pay. Enjoy a seamless shopping experience without third-party sign-ups and benefit from daily flash deals and quick customer support.

Highlights
  • Split purchases into 10 interest-free payments
  • Accepts major credit cards, Apple Pay, Google Pay
  • Seamless, hassle-free checkout
  • Daily flash deals
  • Quick customer support
  • Special coupons from social media partners
Read full description

SHOP NOW. PAY LATER. Dirhami lets you split your purchase into 10 smaller, interest-free payments. We accept all major credit cards plus Apple Pay & Google Pay. COMPLETELY SEEMLESS & HASSLE-FREE. You know how you need to sign up with third parties when shopping online so you can pay by instalment? Well, those days are over. With Dirhami, you buy straight from us, and we ship straight to you. It's just you and us. GET 50% OFF FIRST INSTALMENT. Get in touch with any of our social media partners for special coupons. Visit our Instagram profile to find a partner influencer (@dirhamishopping) FLASH DEALS EVERY DAY. Who doesn't love a good deal? We've got lots of those on Dirhami. Come check us out. CRAZY QUICK CUSTOMER SUPPORT. We're talking a response in minutes. MINUTES! SO MANY WAYS TO SPEAK TO US. WhatsApp us. Call us. Email us. Have coffee with us.

About

FinCliq

This app offers interest-free buy now, pay later plans with no hidden fees, using alternative data for instant approvals. Manage all your payment plans in one place and shop at thousands of merchants. It also features a community savings and lending program.

Highlights
  • Interest-free buy now, pay later plans
  • Instant approvals with alternative credit data
  • Manage all payment plans in one place
  • Shop at over 5,000 merchants
  • Purchase digital and gift cards
  • Community-powered savings and lending (Circles)
  • Rewards for on-time payments
Features
Read full description

Buy Now, Pay Later - Exclusively for Consulytica Members FinCliq is a smarter way to buy now and pay later, interest-free and built around your real financial life. As a Consulytica member, you have exclusive access to FinCliq's powerful Buy Now, Pay Later platform. Using alternative credit data, banking insights, and your spending habits, FinCliq delivers instant approvals and flexible payment options, without the debt traps of traditional credit. WHAT YOU CAN DO WITH FINCLIQ: - Buy now, pay later with no interest and no hidden fees - Get instant approvals personalized to you - Manage and track all your payment plans in one place - Shop at over 400 stores and restaurants - Purchase digital and Visa® or Mastercard® gift cards - Use FinCliq anywhere Visa or Mastercard is accepted (Certain merchant, product, goods, and service restrictions apply) - Unlock exclusive offers including cashback, Wealth Credits, and community give-back rewards Pay on time. Get rewarded. FinCliq rewards responsible payments with Wealth Credits, helping you build toward long-term financial goals while giving back to your community. FinCliq isn't just about making purchases, it's about building healthier financial habits, empowering communities, and putting people first. FinCliq is available exclusively to Consulytica members.

Screenshots

Dirhami Shopping4 screens
FinCliq4 screens

Verdict

The call

The clearest difference is review sentiment: FinCliq at 100% against Dirhami Shopping's 45%. FinCliq also leads on update cadence (fortnightly vs monthly). Dirhami Shopping's advantage is rating (4.5 vs 3.6) and iOS requirement (12.1 vs 15.1). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Dirhami Shopping holds the better App Store score, 4.5 against 3.6. Both are backed by a comparable volume of ratings — 4 and 5 respectively. Written reviews complicate that: 45% of Dirhami Shopping's written reviews are positive against 100% of FinCliq's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Dirhami Shopping ships an update monthly, FinCliq fortnightly. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
Dirhami Shopping versus FinCliq: the parameters behind the verdict, then further details
ParameterDirhami ShoppingFinCliq
PriceFreeFree
Rating4.5 (4 ratings) — better3.6 (5 ratings)
Positive reviews45.5% of reviews100.0% of reviews — better
Number of ratings45 — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.1 — better15.1
Further details — not scored
Size37 MB72 MB
Age rating4+17+
DeveloperTadawul Academy FZEFinCliq

Customer experience

Dirhami Shopping

All ratings3 ratings
Positive66.7%
Neutral33.3%
Negative0.0%
Written reviews11 reviews
Positive45.5%
Neutral0.0%
Negative54.5%

FinCliq

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Dirhami Shopping

No in-app purchases

None

FinCliq

No in-app purchases

Questions

Is Dirhami Shopping free?
Dirhami Shopping is free to download, with no in-app purchases.
Is FinCliq free?
FinCliq is free to download, with no in-app purchases.
Which has better reviews, Dirhami Shopping or FinCliq?
Dirhami Shopping is rated higher. Dirhami Shopping averages 4.5 out of 5 from 4 ratings, while FinCliq averages 3.6 from 5 ratings.
Do Dirhami Shopping or FinCliq have ads?
Neither Dirhami Shopping nor FinCliq shows ads.
Which is updated more often, Dirhami Shopping or FinCliq?
Dirhami Shopping ships an update monthly, and FinCliq fortnightly. Most recently, Dirhami Shopping was updated on October 22, 2026 and FinCliq on October 24, 2026.

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