WHY CLUSIVI: Empowering Financial Access and InCLUSIVIty
Clusivi removes the financial barriers that keep us from acquiring the high-value services that meaningfully improve our lives.
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The Equitable Credit Revolution
For too long, our path to a better life has been blocked by FICO, an outdated and discriminatory credit scoring system that fails to consider true individual responsibility. Clusivi is more than a new way to pay: it is a movement to democratize financial access like never before.
Replacing the Credit Score
Clusivi’s innovative Save-to-Pay solution rates the prepayments you make on our platform. This is a simple, real-time method to determine creditworthiness, which is the opposite of FICO’s complicated scoring model that leans heavily towards judging you on your history and past circumstances that may or may not have anything to do with your current financial situation.
Stimulating Financial Mobility
Save-to-Pay is flexible and income—and schedule-friendly, which puts you in the financial driver’s seat. That means you control how you prepay and when you qualify for credit to complete your purchase. In the process, you reinforce positive money habits that strengthen your long-term financial health.
An Equitable Future for All
We aim to make credit accessible to everyone through a financially-responsible and forward-thinking payment solution. With Clusivi, your creditworthiness is measured in simple terms, namely your own positive prepayment performance, and not by FICO’s outdated, inconsistent, and discriminatory system that works against you.
The Clusivi Way
Planning our wedding within our budget seemed impossible until we found Clusivi. The flexibility of their Save-to-Pay platform allowed us to easily fund all the personal touches we wanted to have while giving us an alternative path to build our credit for the future! From the photographer to the wedding dress, Clusivi helped make our dream a reality without any major financial headaches.
Samantha & Jayden
Newlyweds
Planning our wedding within our budget seemed impossible until we found Clusivi. The flexibility of their Save-to-Pay platform allowed us to easily fund all the personal touches we wanted to have while giving us an alternative path to build our credit for the future! From the photographer to the wedding dress, Clusivi helped make our dream a reality without any major financial headaches.
Samantha & Jayden
Newlyweds
Planning our wedding within our budget seemed impossible until we found Clusivi. The flexibility of their Save-to-Pay platform allowed us to easily fund all the personal touches we wanted to have while giving us an alternative path to build our credit for the future! From the photographer to the wedding dress, Clusivi helped make our dream a reality without any major financial headaches.
Samantha & Jayden
Newlyweds
The Clusivi Way
You are more worthy than the traditional FICO credit-scoring system gives you credit (no pun intended) for. With Clusivi’s innovative Save-to-Pay platform, you can:
