Our commitment to consistency led us to Splitit, ensuring that, as a customer, you enjoy uniform payment options across all platforms.
Eduardo Hauser CEO, Gem Shopping Network
View success story Frictionless consumer financing solution
We are the only consumer financing solution that allows shoppers to use their existing credit card at checkout without increasing their debt.
Higher approval rates Drive more conversions with 85%+ approval rates
No applications or credit checks Keep customers in your existing checkout flow and reduce drop-off.
Global compatibility Anyone with a credit card can use Splitit, anywhere in the world.
Credit card installments unlock huge potential
1.2bn approved customers
Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required.
$35,474 avg. credit available
Customers can maximize their purchasing potential using the credit they have already earned, without paying interest.
85%+ approval rate
Our integrated technology delivers over 85% approval rates, versus an industry average of 35%-40%.
“Our commitment to consistency led us to Splitit, ensuring that, as a customer, you enjoy uniform payment options across all platforms.”
Flexible consumer financing across every channel
Splitit is an alternative to consumer financing that lets you offer installment payments your way: fully embedded, zero friction, and always on-brand. Whether in-store, on the phone, or via a shared payment link, you can set up installment plans instantly.
Own the end-to-end journey
Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience. Traditional consumer financing providers often redirect customers away from your brand.
By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business.
Use existing credit
By leveraging your shopper’s existing credit, Splitit delivers 85%+ approval rates, significantly higher than traditional consumer financing solutions that rely on new credit applications.
Shoppers enjoy the convenience of paying in installments while still receiving all the benefits of their credit card – rewards, transaction insurance, and built-in fraud protection – without the delays, credit checks, or application declines that can disrupt the buying journey.
No registrations or redirects
Eliminate the biggest barrier in consumer financing: complex applications. Splitit embeds directly into your purchase flow, both online and offline. Customers set up their plan in seconds – no sign-ups, redirects, or lender portals that cause drop-off. This keeps checkout fast, seamless, and secure.
A smarter alternative to consumer financing
Traditional consumer financing solutions create unnecessary friction that costs you sales. Lengthy applications, credit checks, and low approval rates result in abandoned carts and lost revenue.
Splitit’s Installments-as-a-Service platform offers a seamless, high-approval consumer financing option that keeps shoppers in your flow and works globally with the credit cards they already know and trust.
Feature
Traditional consumer financing
Splitit
No registration No credit check Embedded at checkout Global coverage Omnichannel Approval rate 35-40% 85%+Why businesses choose Splitit over traditional consumer financing
Higher success rates
Approval rates matter. While many consumer financing providers approve only 30–40% of applications, Splitit unlocks 85%+ approvals by working with a shopper’s existing credit card balance instead of creating a new loan.
Better customer experience
Traditional financing applications slow the buying journey and create multiple drop-off points that cost you sales. Splitit removes these roadblocks with a streamlined, card-based checkout: shoppers simply enter their card details, choose their preferred installment plan, and finish their purchase in seconds—online or in-store.
The result? Higher conversion rates and happier customers.
Scale with ease
Scale your consumer financing offering worldwide
Splitit works anywhere major credit cards are accepted, giving you a single, scalable solution to offer installments to customers worldwide, without regional restrictions or lender dependencies. With Splitit, you can offer installment payments in 100+ countries and 100+ currencies.
Don’t just take our word for it.
Latest insights on consumer financing
Explore expert perspectives on how businesses can move beyond traditional financing models to offer flexible, interest-free installment options that customers truly value.
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Reports & Insights
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Boosting Sales for Residential Window Replacement Companies with Card-Linked Installments
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Thought Leadership
Future-Proofing Retail: Splitit’s Role in the Evolution of Consumer Finance
5 min read Read MoreReady to transform your consumer financing strategy?
Splitit delivers what traditional consumer financing can’t: higher approvals, seamless checkout, and global reach. Let’s discuss how our innovative approach can drive more sales and improve your customer experience.
Frequently asked questions
Traditional consumer financing requires new loan applications, credit checks, and creates additional debt. Splitit uses customers’ existing credit cards, eliminating applications while maintaining all credit card benefits like rewards and fraud protection. Our approach delivers 85%+ approval rates compared to 30-40% for traditional financing.
Splitit offers competitive pricing with no hidden fees for customers. Merchant fees vary based on your business model and volume. Contact us for personalized pricing that fits your consumer financing requirements.
Most integrations complete within 2-4 weeks depending on your technical requirements. We provide comprehensive API documentation, sandbox environments, and dedicated integration support.
Splitit delivers 85%+ approval rates because we use existing credit instead of creating new loans. Traditional consumer financing typically achieves only 30-40% approval rates due to underwriting requirements and credit restrictions.
Traditional consumer financing often requires high credit scores and extensive applications. Splitit works with any active credit card, making financing accessible to a broader customer base while still targeting financially responsible consumers with available credit.
Unlike traditional BNPL solutions that struggle with higher order values, Splitit excels at high-value consumer financing. Our average order value exceeds $1,000, making us ideal for premium products, services, and larger purchases.
Yes, Splitit’s consumer financing solution works in 100+ countries and supports 100+ currencies. Unlike traditional financing providers with geographic limitations, you can offer consistent installment options to customers worldwide.