Use your existing credit card to simply pay over time with no interest, no fees and no application process.

Pay over time
Choose Splitit at checkout and use your favorite credit card to turn your purchase into smaller, bite-sized interest free payments spread over 3, 6, 9 or 12 months.

Always 0% interest. Never any late fees
With Splitit there are no interest charges or fees — so more of your money stays 'your money' to spend on the things you need.

No applications, no credit checks
When you make a purchase there are no applications or credit checks to make things complicated. And you continue to earn your points and rewards as normal.

At the time of purchase, once the merchant confirms your shipment, you will only be charged for the first payment. The remaining balance will be held on your credit card until the final payment is made. After each monthly payment, the amount held from your available balance will be reduced to the new remaining balance (the held amount might appear as “pending”).

To be eligible, you must own a VISA or MasterCard credit card and have the entire amount of your purchase on your card. Splitit will not charge you interest or fees. Other potential interest, fees and/or charges may apply from your card issuer.