Splitit review: Pay for online shopping later, on your terms

Learn about Splitit's buy now, pay later interest-free scheme, in our review.


A select number of retailers offer the ability to pay via Splitit, a scheme that allows you to split your payments into bite-sized chunks over time.

How does Splitit work?

Splitit works much like many other buy now, pay later providers, in that it partners with retailers looking to offer finance through a third party. When you browse and shop from a specific store offering Splitit, you can select Splitit as your payment method at the checkout and use a Visa or Mastercard credit card to split your payments.

The company does not charge any interest on payments or late fees. However, as payments are being charged to your credit card, you may be charged interest or charges imposed by your credit card issuer under its agreement. Debit cards may be used at some retailers, although not all stores will accept debit cards.

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Splitit offers four payment structures:

  • Pay in 3 instalments. An option to pay for your order in 3 separate chunks.
  • Pay in 6 instalments. An option to pay for your order in 6 separate chunks.
  • Pay in 12 instalments. An option to pay for your order in 12 separate chunks.
  • Pay in 24 instalments. An option to pay for your order in 24 separate chunks.

Features of shopping with Splitit

  • No annual fee. You’ll never pay a maintenance fee to use Splitit.
  • Zero interest. You’ll pay Splitit no interest on your purchase. However, as payments are being charged to your credit card, you may be charged interest or charges imposed by your credit card issuer under its agreement.
  • Autopay. Set up automatic minimum payments from your credit card account to your Splitit account.
  • Safe and secure. Splitit safeguards your personal information and enforces a zero-fraud protection policy. If you see an unauthorised purchase with your account, report the problem to Splitit.
  • Easy-to-use app. Manage your payments, report and manage returns, and chat with customer service 24/7.
  • Payment reminders. Splitit will ensure you’re aware of your payment before it’s due.
  • Hassle-free refunds. Easily request a refund for your order and receive your money back.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

How much does Splitit cost?

You pay no upfront or annual fee to use Splitit and there are no hidden costs or late fees. The only potential extra costs may be incurred by your credit card company, we recommend contacting your bank for more details.

Is Splitit safe?

Yes. Splitit complies with Visa, Mastercard and UnionPay operating standards. The company uses communication security technology (single-socket layer/ SSL) to keep payment information safe.

How do I sign up for Splitit?

Since Splitit works on your existing credit limit, there are no applications when purchasing with Splitit. You can start shopping with Splitit as soon as you purchase from a retailer in its store directory and select Splitit at the checkout.

In order to log in to your Splitit account, you must then use the credentials that were emailed to you after your purchase.

Which shops offer Splitit?

You can browse the full list of Splitit retailers here.

What if I can’t make a payment?

Splitit does not charge users late fees if they miss payments. However, it’s best to get in touch with Splitit as soon as you can if you think you’re going to struggle to clear your balance.

What can I do if something goes wrong?

If you encounter a problem, check out Splitit’s list of FAQs. Can’t find your question on there? Chat online with a member of the customer service team.

Pros and cons of Splitit

  • Buy it now, pay for it later. With Splitit you can order your chosen items when you want them and cover the full cost later on, without having to wait until payday.
  • Interest free. Splitit won’t charge you interest (though your credit card company could if you don’t repay on time).
  • Partnered with some quality retailers. Pay later with Splitit at some quality retailers, including Nectar Sleep, Braun and Simba.
  • No hidden or late fees. You will never be surprised with nasty fees and if you make a late payment, you won’t be charged.
  • Flexible repayments. Splitit offers a repayment plan of anywhere between 3 and 24 instalments.
  • Needs more high-street stores. Splitit would benefit shoppers by partnering with more high-street brands.
  • Limited to those with credit cards. Splitit shoppers use their existing credit card to pay over time, which means those without one cannot use the service.

The verdict

Splitit is a great pay later alternative to big players Klarna and Clearpay. It’s interest-free, charges no late fees and offers flexible payment plans, but we would like to see the service partnering with more big-name brands.

Splitit is a convenient choice if you own a credit card and are also looking to buy a product now and pay for it later (on a site that’s partnered with it). The service boasts flexible payments, anywhere between 3 and 24 instalments, and there are no late fees. That being said, Splitit does not yet partner with a range of high-street brands, which would undoubtedly make the service more attractive to a larger number of shoppers.

Have more questions about Splitit?

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