Comparison

Purchasing Power vs FinCliq

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

Head to head
About

Purchasing Power

Access an employer-provided benefit to purchase name-brand products and services. Pay over 12 months via payroll deduction. Manage your account, track orders, submit documents, and browse the catalog.

Highlights
  • Search product catalog
  • Shop on mobile site
  • View order and shipping status
  • Access account statements
  • Submit documents via camera
  • Browse new arrivals
  • Contact support
Features
Read full description

A better way to buy is better than ever before! Purchasing Power is an exciting benefit offered by your employer or organization that allows you to buy name-brand products and services and pay for them over 12-months through payroll deduction. Exclusively available to Purchasing Power customers, this app gives you all of your Purchasing Power information at your fingertips. Want to check your order balance? Need to submit a document to process your order? Looking for the newest products? This app allows you to: o Search our catalog o Shop on our mobile site o View Order and Shipping Status o View Your Account Statement o Send Documents (Use your camera or use existing images) o Check Out New Arrivals o Contact Us (Send a message) o Call Us Now o Sign In with Touch ID New to Purchasing Power? You must be an employee or member of a participating organization to have access to our industry-leading employee purchase program. Register now (https://www.purchasingpower.com/) to access your employer’s customized storefront and start shopping today!

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

Purchasing Power4 screens
FinCliq4 screens

Verdict

The call

The clearest difference is review sentiment: FinCliq at 100% against Purchasing Power's 21%. FinCliq also leads on monetization model (free vs free with in-app purchases) and update cadence (fortnightly vs every 2 months). Purchasing Power's advantage is rating (4.8 vs 4.0) and ratings volume (32K vs 4). On price, ads, in-app purchases and device support 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

Purchasing Power holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Purchasing Power has 32K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 21% of Purchasing Power'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

Purchasing Power ships an update every 2 months, FinCliq fortnightly. The most recent releases landed on October 17, 2026 and October 9, 2026 respectively.

Scorecard5 real differences · 5 level
Purchasing Power versus FinCliq: the parameters behind the verdict, then further details
ParameterPurchasing PowerFinCliq
PriceFreeFree
Rating4.8 (32K ratings) — better4.0 (4 ratings)
Positive reviews21.1% of reviews100.0% of reviews — better
Number of ratings32K — better4
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size47 MB72 MB
Age rating4+17+
DeveloperPurchasing PowerFinCliq

Customer experience

Purchasing Power

All ratings32,314 ratings
Positive97.1%
Neutral1.6%
Negative1.3%
Written reviews142 reviews
Positive21.1%
Neutral8.5%
Negative70.4%

FinCliq

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

Bugs and requests

Purchasing Power

Reported bugs

4 issues
  • Frequent app crashes
  • Login issues
  • Order cancellation problems
  • Incorrect order information

Requested features

3 requests
  • More product variety
  • Improved app functionality
  • Better communication with customers

FinCliq

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Purchasing Power

No in-app purchases

None

FinCliq

No in-app purchases

Questions

Is Purchasing Power free?
Purchasing Power 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, Purchasing Power or FinCliq?
Purchasing Power is rated higher. Purchasing Power averages 4.8 out of 5 from 32K ratings, while FinCliq averages 4.0 from 4 ratings.
Do Purchasing Power or FinCliq have ads?
Neither Purchasing Power nor FinCliq shows ads.
Which is updated more often, Purchasing Power or FinCliq?
Purchasing Power ships an update every 2 months, and FinCliq fortnightly. Most recently, Purchasing Power was updated on October 17, 2026 and FinCliq on October 9, 2026.

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