How It Works
Step 1
Choose your glasses
Browse our selection of eyeglasses or sunglasses (Rx and non-Rx). Contact lenses are not eligible.
Step 2
Apply in-store with CrediQ
Visit any branch and work with our team to start your application. All required documents must be uploaded before submission.
Step 3
Wait for approval via email
Once submitted, CrediQ will verify your documents. You’ll receive your approval status by email—usually within 24–48 hours.
Step 4
Pick up your eyewear
After approval, you can collect your glasses and start your monthly payments. No upfront payment is required.
Why Choose CredIQ
Experience the benefits of flexible financing designed for your needs
Flexible monthly payments
Pay over 18 or 24 months with affordable monthly installments.
Fast approval
Applications are reviewed within 24–48 hours after all documents are submitted.
No upfront payment
Pick up your glasses right after approval and start paying in 30 days.
What You Need to Apply
Experience the benefits of flexible financing designed for your needs
Valid ID
National ID, Driver’s Permit, or Passport
(must be a T&T government-issued ID).
Utility bill
Dated within 6 months.
Accepted: WASA, T&TEC, FLOW, TSTT, or DIGICEL (broadband only, no mobile bills).
Recent payslip & job letter
Issued within the last 3 months.
Job letter optional for initial application but must be submitted before approval.
Authorization & ID (if utility bill isn’t in applicant’s name)
Include: Signed letter of permission, Utility bill and ID of the person named on the bill.
Self-Employed Applicants
Provide 3 months of bank statements.
References
Two references not living with the applicant — one may be a relative.
Clear Vision Today. Flexible Payments Tomorrow.
At Value Optical, we believe clear vision shouldn’t have to wait. With our Buy Now, Pay Later option through CredIQ, you can get the eyewear and eye care you need today—and spread the cost over time with flexible payment options.
Whether you’re upgrading your glasses, investing in advanced lenses, or finally booking that eye exam, CredIQ makes it easier to move forward without financial stress.
Who Can Apply?
Experience the benefits of flexible financing designed for your needs
Must be 18 years or older
Valid Trinidad & Tobago ID
Proof of income or employment
Recent job letter and pay slip, or 3 months bank statements
Minimum purchase: $1,500
Email address to create your CrediQ account
Pensioner Applicants
Pensioners can qualify with an employed guarantor. The guarantor submits their own job letter and documents.
Need Help with Your Application?
Clear Vision Today. Flexible Payments Tomorrow.
At Value Optical, we believe clear vision shouldn’t have to wait. With our Buy Now, Pay Later option through CredIQ, you can get the eyewear and eye care you need today—and spread the cost over time with flexible payment options.
Whether you’re upgrading your glasses, investing in advanced lenses, or finally booking that eye exam, CredIQ makes it easier to move forward without financial stress.
Frequently Asked Questions
Find answers to common questions about CredIQ financing
How long does approval take?
Most applications are reviewed within 24–48 hours after all documents are submitted. You’ll receive an email notification once a decision is made. Make sure to check your inbox and spam folder.
Can I apply if I don't have a utility bill in my name?
Yes! You can provide a signed authorization letter, the utility bill, and a copy of the ID of the person whose name is on the bill.
What happens after 30 days?
After the 30-day grace period, your monthly payments will begin. There are no penalties for early payments, but title and ownership of the eyewear pass to you only after 3 months of the contract.
Can I use CredIQ if I've never been to Value Optical?
Absolutely! CredIQ financing is available to both new and returning Value Optical customers. You can book your eye exam and apply for financing in the same visit.
What products can I finance with CredIQ?
Eyeglasses and sunglasses (both prescription and non-prescription). Contact lenses are not eligible.
Do I need a good credit score to qualify?
No. CrediQ considers more than just your credit score. As long as you meet the document and income requirements, you can apply.
Can pensioners apply?
Yes! Pensioners can apply with the help of an employed guarantor who submits their own supporting documents.
How do I make payments?
You can pay at any Value Optical branch (cash only) or log in to the CrediQ customer portal to pay online.
What if I miss a payment?
Late fees may apply, and your credit rating could be affected. If you’re having trouble, contact CrediQ support right away to discuss options.
Who do I contact for help?
For support with your application or payments, email customerservice@valueoptical.com or call Value Optical at (868) 800-2020.