Splitit Reviews
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About Splitit
Splitit is a buy now, pay later (BNPL) service that operates out of Atlanta, Georgia, and offers products to customers across the globe. Customers are able to use their own credit card to make purchases from select merchants and pay them off in smaller installments over time. Spending limits are based on the available credit of the existing card, so there’s an easy application process that doesn't require a credit check.
Visit www.splitit.com/us- No credit check
- Use your own credit card
- Earn points and rewards
- Purchases accrue interest per terms of the card
- High financing charges may apply
- Not all merchants participate
Splitit loan products
Splitit has two payment plans that both allow customers to use an existing credit card. BNPL purchases can only be made from merchants who’ve partnered with the company and display the “Splitit” payment option at checkout. When you make a purchase using Splitit, the full retail price plus any interest or fees is held on your card, then paid back in monthly or biweekly installments.
- Retail Plan: Allows customers to make direct BNPL purchases from a merchant using their credit card, then set up automatic payments until the purchase is paid off completely. Splitit doesn’t add any fees or interest charges to these purchases, though you are responsible for interest payments already agreed to in the terms and conditions of your credit card.
- Splitit Financing: Allows customers to use Splitit for BNPL purchases from certain merchants, but this payment plan adds a finance charge.
The type of plan you can use depends on the merchant. All prices, including any added fees, are displayed to the customer before purchases are finalized.
Splitit rates
Splitit fees
How to apply for a Splitit loan
FAQ
What is Splitit?
Splitit is a buy now, pay later (BNPL) service that allows customers to use their existing credit card to make larger purchases and pay these back in installments either monthly or biweekly.
Can I get a Splitit loan with bad credit?
Yes, you can get a Splitit loan with bad credit since the company doesn’t run a credit check when you apply. However, you must be able to use an existing credit card, and your provider may have its own credit score requirements.
Can Splitit be used anywhere?
Splitit’s availability varies by payment plan. Retail plans can be used at locations worldwide, but Splitit Financing can only be used in 36 U.S. states and Washington, D.C. Financing is not available in Alabama, Arkansas, California, Delaware, Florida, Hawaii, Indiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Texas or Virginia.
Still have questions?
Is Splitit legit?
Splitit Reviews
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Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
Reviewed Oct. 8, 2026
I saw an email that 100$ was taken out of my account. I didn’t recognize the company. I don’t need such a service for the high cost 1200$ per year for the service. I don’t to pay someone for a service like this. Trying to cancel was difficult so I stopped payment.
Splitit Company Information
- Company Name:
- Splitit
- Address:
- 211 Perimeter Center Parkway, Ste. 240
- City:
- Atlanta
- State/Province:
- GA
- Postal Code:
- 30346
- Country:
- United States
- Website:
- www.splitit.com