Accrue is a financial technology company dedicated to helping consumers purchase goods and services without relying on debt. The platform enables users to create savings goals for specific products from a network of partner retailers. As users contribute to their savings, the partner brands also contribute cash rewards into the user's Accrue account, effectively lowering the final price of the item. This model provides a debt-free alternative to "Buy Now, Pay Later" services, benefiting both consumers who can save responsibly and merchants who gain committed customers.