A new reason to love your credit card.

When you don’t want a new loan, but still want control over your monthly cash flow, Splitit is the easy answer.

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No interest or fees

Splitit allows you to pay for your purchase over time before accruing any interest.

No applications

You use your existing credit card, so there’s no need to create another account.

No credit checks

All you need is the balance available on your credit card.

Say it with us: No. New. Loans.

You’re a responsible credit card user. So why do “buy now, pay later” providers treat you like you’re not? Instead of doing sneaky credit checks and charging hidden fees, Splitit lets you make monthly payments on the credit you already have—all at your own pace.

“Very happy with my Splitit experience with Idle Mattress! I have a great mattress that should last and the financial cost did not hurt all at once! Now that it’s paid it feels like I have more money to save each month.”

Jason

“Splitit is awesome for anyone looking to break their payments up without wanting to have to pay high interest charges. It was easy and didn’t cost me any extra on top of what I was already going to pay. Highly recommended!”

Sarah

“Using Splitit was incredibly easy and didn’t require me to jump through any hoops. It was simple and exactly what I wanted, with no hidden fees or surprises. Will certainly use again in the future!”

Luke

“Thanks for being forward thinking enough to offer this alternative for folks who make good money but don’t qualify for traditional financing!”

Kam

How it works

It’s a new day for payments—one where you can earn the credit card rewards you love, choose the number of installments, and gain a level of control that traditional “buy now, pay later” providers can’t – or won’t – give you.

Splitit guarantees your purchase, by placing a hold on your credit card, while the total amount is outstanding. This is not a payment, it’s just a pre-authorization that allows you to pay off your balance over time, before accruing any interest. Just pay as you go and Splitit will re-authorize the hold and reduce the amount each month.

Checkout in 3 simple steps!

Featured stores View all →

Canyon Bicycles

Sport & Outdoor

James Allen

Fashion & Jewelry

Nectar

Home & Furniture

Vestiaire Collective

Fashion & Jewelry

GemsNY

Fashion & Jewelry

Byte

Beauty

Simba

Home & Furniture

GlassesUSA

Fashion & Jewelry

Still have questions about how Splitit works?

You can find answers to our most commonly asked questions here. If you can’t find what you’re looking for, please visit our Support centre where you’ll find lots more answers, plus you can live chat with us.

Frequently asked questions

Please visit our support centre.

No, unfortunately not. We are only able to accept credit cards at the present time.

We are currently partner with Visa, Mastercard, Discover and Union Pay credit cards.

You can find all our terms and conditions here.

Yes.

Splitit helps consumers use their existing credit card to turn purchases into smaller, monthly payments.

The full amount of your purchase is authorized (held) on your credit card to guarantee future payments so you need to have at least that amount in available credit on your card.

The authorization amount reduces with each monthly payment you make until the balance is cleared and we renew these authorizations periodically. The previous authorization is removed as soon as we receive a new one.

Join our community of happy merchants

Give your customers a more compelling way to pay.

Splitit for business