The Splitit Help Center

You say Splitit doesn’t charge interest or fees. What if I’m late paying?

Splitit does not charge any additonal interest or fees; even if you pay late. However, there may be charges from your credit card provider, so you should always check.


If an authorization or monthly payment is declined, we will email you to let you know.  You will be given 7 days to resolve this with your card provider or by changing your payment card to a different one. During this time, we will continue to try the declined transaction.  


After 7 days, if the transaction is still declined, we reserve the right to charge your card with the full outstanding amount using the last successful authorization. This will mean that your plan will be cleared early and you will have lost to the ability to pay in installments.

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