Buy now.

Pay monthly.

Simple.

Discover where you can use Lucid and pay over time.

A black and white illustration of a lady holding Lucid card and shopping bags.
A black and white illustration of people answering a poll

Easy application

Complete a simple document upload and answer some questions in the Lucid app to get started fast.

Illustration of a man shopping and holding his mobile phone.

Fast approval

Get credit for shopping in our partner stores fast in the app — no waiting, no hassle.

A black and white illustration of a woman juggling with different kinds of digital wallets.

Flexible payments

Show QR code only when paying at checkout and repay in easy monthly installments via card, apps, e-wallet or cash.

Enjoy instant shopping credit and

manage payments with Lucid app.

Shop with Lucid at your favorite brands today and split it into easy monthly payments!


Download the app and discover all of our partner brands today.

Ready to get started?

Download Lucid app

Download Lucid from the App Store or Google Play. You can look around the app before you apply and get a feel for how it works.

Apply & get an instant approval decision

Apply in the app in just a few steps. Upload a few documents, answer some quick questions, and get your approval decision online.

Step into your favorite stores

Shop from a growing list of stores and categories. Lucid works with many vendors, so you can use it in more places over time.

Scan Lucid QR at checkout

At checkout, just scan your Lucid QR to pay. It is simple, secure, and a new QR is created for each purchase.

Split the bill into easy monthly installments

Choose the number of installments you want each time you shop. Your purchases are grouped into one monthly payment, due before the 5th of each month.

Lucid screen mockup for login page
Lucid app home screen mockup
Lucid app stores screen mockup
Lucid app QR scan screen mockup
Lucid app balance screen mockup

Ready to get started?

Lucid app screen mockup for login page
Lucid app home screen mockup
Lucid app favorite stores screen mockup
Lucid app QR code scan screen mockup

Download Lucid app

Download Lucid from the App Store or Google Play. You can look around the app before you apply and get a feel for how it works.

Apply & get an instant approval decision

Apply in the app in just a few steps. Upload a few documents, answer some quick questions, and get your approval decision online.

Step into your favorite stores

Shop from a growing list of stores and categories. Lucid works with many vendors, so you can use it in more places over time.

Scan Lucid QR at checkout

At checkout, just scan your Lucid QR to pay. It is simple, secure, and a new QR is created for each purchase.

Split the bill into easy monthly installments

Choose the number of installments you want each time you shop. Your purchases are grouped into one monthly payment, due before the 5th of each month.

What's next?

Track

Track your monthly payments

Pay

Settle everything on time in one monthly payment

Grow

Get more purchasing power in your wallet

FAQ

Not sure about something? Here’s everything you need to know.