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.

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!

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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

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.


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.

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Give your customers a more compelling way to pay.

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