Payment plans for home services businesses

Flexible payment plans for contractors let customers split the cost of a job into smaller monthly payments instead of paying the full amount at once. Home services businesses typically offer customers one of a few ways to pay over time: in-house payment plans, third-party loans, or card-linked installments.

The home services industry faces unique challenges when it comes to higher-ticket projects. Emergency HVAC repairs, major plumbing work, and home improvement projects often catch homeowners off-guard financially.

Most financing options require homeowners to apply for new credit, undergo approval checks, and take on new debt. Splitit’s card-linked installments removes these barriers by letting your customers use the credit they have already earned, turning a large upfront cost into manageable monthly installments. There’s no new credit application, no hidden fees, and no disruption to your customer relationship.

Splitit integrates into your existing payment processes. When customers need financing for home services, they simply use their existing credit card to set up an installment plan. No applications, credit checks, or new loans required. You receive funding upfront while customers pay over time.

Splitit works for all home services, including HVAC repairs and installations, plumbing emergencies, electrical work, home improvement projects, pest control services, roofing, and more. Any service with higher tickets can benefit from our flexible installment solutions.

Unlike traditional loans, Splitit uses customers’ existing credit cards, so there’s no new debt created, no interest charges, and no lengthy application process. Customers maintain their credit card rewards and benefits while spreading payments over time responsibly.

Splitit allows homeowners to spread the cost of a service over several months using their existing credit card, without taking out a new loan or applying for financing. This flexibility removes the financial friction that often leads customers to choose the cheaper or most urgent fix. This leads to higher average project values, increased revenue per customer, and better long-term outcomes for both contractors and homeowners.

Absolutely! Splitit supports offline payments with text-to-pay, email-to-pay, and scan-to-pay links. These can be sent directly from your sales team and completed in seconds by your customers on any device.

Not at all. In fact, it often accelerates it. With one-click payment options and no applications, customers convert faster and businesses see higher close rates.

Splitit is designed to be fast and simple. Our cloud-based software can be deployed in minutes, and our team provides full onboarding and sales training to get you up and running quickly.

No. You’re paid in full upfront, and Splitit manages the installment collections. We also take on the risk of non-payment so your revenue is protected.