For Customers
Buy what you love, debt-free
Increo lets you save toward high-ticket purchases at your own pace. No loans. No interest. No credit checks.
How It Works
Four simple steps to ownership
Find something you love
Browse your favourite store, online or in person. When you find the perfect item, ask about Increo.
Set your own schedule
Choose how much to put aside each month. There's no interest, no credit check, and no hidden fees.
Save at your pace
Your payments go to the merchant instalment by instalment. Track your progress anytime.
Complete & collect
Once your plan is complete, the item is yours. Some merchants even offer a completion bonus.
Why customers love it
Built around you, not around credit
No debt, no credit checks
This isn't a loan. You're saving toward your purchase. It's your money, your pace.
Flexible timing
Adjust your schedule if life changes. Pause or modify without penalties.
Transparent & simple
See exactly where your money is at all times. No hidden charges, no surprises.
Completion rewards
Many merchants offer a bonus (like 5–10% off) when you complete your plan.
How It Compares
SNBL vs BNPL vs EMI vs Credit
Not all payment alternatives are created equal. Here's how Save Now, Buy Later stacks up against consumer credit, instalment plans, and traditional financing.
Save Now Buy Later Increo | Buy Now, Pay Later Klarna, Afterpay, etc. | EMI / Instalments Bank & card splits | Credit / Loan Banks, store finance | |
|---|---|---|---|---|
| Credit check required | Never | Often | Yes | Yes |
| Interest charged | Never | Sometimes | Yes | Yes |
| Creates debt | No, it's saving | Yes | Yes | Yes |
| Affects credit score | No | Can do | Yes | Yes |
| Customer ownership | Merchant | BNPL provider | Bank | Bank |
| Merchant control | Yes | No | No | No |
| Suitable for high-ticket | Designed for it | Rarely | Limited | Limited |
| Flexible schedule | You choose | Fixed splits | Fixed monthly | Min. payments |
| Completion rewards | Yes | No | No | No |
| Responsible spending | Built-in | Encourages debt | Debt-based | Debt-based |
The bottom line
BNPL, EMI, and credit all let you spend money you don't have: creating debt, interest, and risk. Increo flips the model: you spend responsibly with money you do have, toward something you've chosen, at your own pace. No debt. No interest. No credit checks. No surprises.
Common Questions
What you need to know
Is this a loan?
No. You're saving your own money toward a purchase. There's no borrowing, no interest, and no debt.
What happens if I can't finish my plan?
Refund terms are set by each merchant. Most offer full or partial refunds minus a small admin fee.
Do I need a credit check?
Never. Increo is a savings tool, not a lending product.
When do I get my product?
That depends on the merchant's terms, typically once your plan is fully completed.
Ready to start saving?
Ask your favourite store if they offer Increo, or find a merchant near you.
Find a Merchant