Splitit is a payment option that lets you break up your purchase into smaller monthly payments — with no interest, no credit check, and no extra fees.
If the creator you’re buying from has Splitit enabled, you’ll see the option to pay in installments right at checkout.
Here’s how it works:
At checkout, Splitit checks with your credit card provider to approve the full amount of your purchase.
If approved, Splitit places a temporary hold on your card for the total amount — this isn’t a charge, it just guarantees you’re good for the payments.
Splitit holds the full purchase price on your credit card. While this temporarily reduces your available credit, it is not a charge and will not become due on your credit card bill. After the authorization goes through, you will be able to continue using your full, available line of credit
Since your installment plan is not facilitated by a loan, the hold is required to be able to guarantee your purchase to the Merchant. For most plans the authorization will disappear within 30 days of your purchase, but often sooner.
For some plans the authorization will be periodically re-authorized, at lower amounts as you make installment payments, until your plan is complete.
The length of these holds is always determined by your bank or credit card provider, so contact your financial institution directly for questions.
There is a $65k USD transaction limit for Splitit purchases
You’ll get email updates throughout your plan, and you can log in to the Splitit Portal anytime to check on your plan or make changes.
Note: If you see the full amount at checkout instead of installment options, It's usually because you’re using a debit card or a business credit card. Splitit only works with personal credit cards. Please use a personal credit card to access the installment plan.
Need help? You can always reach out to our 24/7 support team.