Splitit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Splitit turns a checkout into installments on a card you already hold, at 0% with an origination fee of 0 USD. It suits US shoppers spreading a purchase who want to pay no interest, and it cannot help anyone outside the US or without an eligible Visa or Mastercard credit card.

Key facts

Best for
US cardholders who want a purchase split into installments at no interest.
APR
0% (Source, checked September 26, 2026)
Loan amount
$50 (Source, checked September 26, 2026)
Arrangement fee
0 USD (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
At checkout (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
US residents only; eligible US-based Visa and Mastercard credit cards with enough available credit; debit, FSA/HSA, prepaid and commercial cards not accepted (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
BNPL (Source, checked September 26, 2026)
Legal entity
Splitit USA Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
splitit.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Nothing added for the credit: the rate is 0% and the origination fee is 0 USD.
  • Free early repayment, so clearing the plan sooner costs nothing extra.
  • Funding happens At checkout and same day funding is supported.
  • The credit check is none, so approval turns on available credit.

Cons

  • Support runs on chat, email and help centre only, with no phone line listed.
  • Eligibility is limited to US residents using an eligible US-based Visa or Mastercard credit card with enough available credit.
  • Plans start at $50, so it suits everyday purchases rather than big-ticket buys.
Splitit

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • US residents with an eligible Visa or Mastercard credit card and enough available credit left on it
  • Shoppers who want 0% interest and free early repayment on a purchase they can clear
  • Borrowers who prefer a direct lender holding its own state licences rather than a broker

Who should look elsewhere

  • Kviku, if you want euro amounts of up to €2,000 for a market outside the US
  • Oney Préstamos ES, if you want a loan of €1,000 to €45,000 and are not paying by card
  • Solcredito MX, if a rate of 9.5% to 3,696% suits you better than 0% on a US card purchase

How it compares on our data

On our data, Splitit sits at 615 of 685 for loan amount, which fits a provider built to split a purchase rather than to hand out cash. On APR it ranks 1 of 350, putting it at the front of the cost table where the loans next to it charge more.

How Splitit compares

Where Splitit is available

Available
Australia, Canada, Hong Kong, Japan, Mexico, Singapore, United Kingdom, United States
Licence in United States
South Dakota Division of Banking (Money Lender License, NMLS ID 2314339, Splitit USA Inc.) (2314339), checked September 26, 2026
Licence in United States
NMLS / state financial regulators (state consumer, small loan, money lender and installment lender licences for Splitit Consumer Funding LLC) (2630622), checked September 26, 2026
Licence in United States
Indiana Department of Financial Institutions (Consumer Loan License, Splitit Consumer Funding LLC) (76788), checked September 26, 2026
Licence in United States
Washington Department of Financial Institutions (Consumer Loan Company License, Splitit Consumer Funding LLC) (CL-2630622), checked September 26, 2026
Licence in United States
Wyoming Division of Audit, Division of Banking (Consumer Lending License, Splitit Consumer Funding LLC) (CL-5215), checked September 26, 2026
Licence in United States
Ohio Department of Commerce, Division of Financial Institutions (General Loan Law Certificate of Registration, Splitit Consumer Funding LLC) (GL.502166.000), checked September 26, 2026
Licence in United States
Michigan Department of Insurance and Financial Services (Regulatory Loan License, Splitit Consumer Funding LLC) (RL-0026391), checked September 26, 2026
Licence in United States
South Dakota Division of Banking (Money Lender License number for Splitit USA Inc.) (2314339.MYL), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Splitit plan cost?+

The rate is 0% on a fixed basis, so nothing is added for the length of the plan. Plans start at $50, which keeps them aimed at everyday purchases rather than a large cash need.

Are there arrangement fees to pay?+

The origination fee is 0 USD and its percentage element is 0%, so the cost sits in a single figure rather than in a sliding interest charge. Free early repayment applies, so finishing the plan sooner adds nothing.

Does Splitit run a credit check?+

The credit check is none, so there is no credit file search to pass. What matters instead is whether your card has enough available credit for the full purchase amount at the moment you pay.

Who regulates Splitit?+

The lending entity is Splitit USA Inc., based in the US, with a money lender licence from the South Dakota Division of Banking. Splitit Consumer Funding LLC also lists state consumer, small loan, money lender and installment lender licences through NMLS and state financial regulators, plus licences in Indiana, Washington, Wyoming, Ohio and Michigan.

How quickly does the money arrive?+

Funding happens At checkout, and same day funding is supported. That means a plan is set up as part of the purchase rather than through a separate application and a wait for funds to clear.

Who can use Splitit?+

Eligibility is limited to US residents using eligible US-based Visa and Mastercard credit cards with enough available credit. Debit, FSA/HSA, prepaid and commercial cards are not accepted, so anyone paying by debit or on a work card will not qualify.

How do I reach support?+

Support runs on chat, email and help centre, covering chat, email and a help centre. No phone line is listed, so a spoken check on a payment date is not an option and questions are handled in writing or in live chat.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Representative example.

Splitit

Splitit

US cardholders who want a purchase split into installments at no interest.

9.2/10See alternatives

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