Whilst I understand the process. U have put a block on the money and the whole amount is showing on my credit card statement. I will have to see if they charge me interest next month as I have paid mo... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
It’s great that you can split the payments, but you can only use a credit card, but be aware, initially the whole amount goes from your balance and stays as pending for some days, so if you rely on th... See more
It was very simple to use and choose the length of time to repay either over 3 months or 6 months. The only thing is though the bank received the request for full payment and the part payment. While t... See more
Was easy process. Did get concerned with the pay part before seeing plan options maybe different wording as not confuse customers
Company details
- #30 of 52 best companies in Payment Service
- #161 of 198 best companies in Financial Consultant
About Splitit
Written by the company
We aren’t like other “buy now, pay later” options. We’re entirely different—free of fees, applications, and credit checks. For the responsible credit card user who pays diligently and doesn’t want a new loan under their name, Splitit is the smarter, more sensible choice. With Splitit, you choose the number of monthly installments and they show up right on your credit card statement. Best of all? Zero interest is ever added.
Learn more about Splitit
Contact info
211 Perimeter Center Pkwy NE, 30346, Atlanta, United States
- info@splitit.com
- www.splitit.com
4.3
Excellent
23K reviews
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Easy to use!
May 15, 2026
May use AI-assist with repliesRead more
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Horrible experience, don´t trust
They charge me for an order that AliExpress canceled immediately. No one answered on chat support, they took my money with no product.
May 24, 2026
Unprompted review
Reply from Splitit
Hi Carolina,
We are disappointed to hear of this situation with your order! To get this resolved we recommend reaching out to AliExpress directly through their app or website. There you can submit the details of your case and talk to their team about the right resolution.
Return requests and refunds must be approved by the Merchant, and once they confirm, your plan with Splitit will be updated automatically.
We hope they resolve this for you quickly!
Very useful service
This is a excellent service. It allows you to pay slowly after you receive the product
April 27, 2026
Happy with this service!
May 10, 2026
Positivity
Yes, the way to pay in advance but close the payment when the package arrived is great
May 10, 2026
There's one order I didn't get the…
There's one order I didn't get the complete order on and I'm not happy about it.
May 13, 2026
Reply from Splitit
The best way to handle this situation is to reach out to the Merchant directly. Splitit is a technology company that makes the installment plan possible, but your purchase and any order changes are always handled by the Merchant.
Delivery is handled by the Merchant you purchased from.
We appreciate your understanding of this process. For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!
This payment system is easy to use
This payment system is easy to use, I’ve never had any problems with it. I’m kept up to date with all the steps up to payment time.
May 12, 2026
The application process was simple and…
The application process was simple and terms very favorable.
May 13, 2026
it gives more purchase power
May 12, 2026
Quick and easy Very simple to do
May 13, 2026
Payment Plan…
I'm glad you offered a payment plan because it made it easier to buy what I needed. Thank you for the convenience.
May 12, 2026
No upfront explanation that you would…
No upfront explanation that you would put a hold on the balance of what was owed every month as I made payments.
May 12, 2026
Reply from Splitit
Hi Eddie,
Thank you for the opportunity to clarify how Splitit installment plans work.
After checkout, you will see two transactions on your credit card:
1. One is a temporary authorization (hold); this is not a charge and you do not pay this amount.
1. It is simply a pre-authorization, which is standard for many other types of purchases on your credit card (think hotels, gasoline, etc.).
2. The other is the first installment charge.
1. Each month after, your installment payment is automatically charged until your plan is complete.
Splitit installment plans work using your available credit card balance. That is why the temporary hold on your credit is necessary.
For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!
Good after scary initial charge/hold
I didn't like that the process jumped straight to an apparent charge for the full amount and not the split portion I expected. I had to abort then check on various FAQs before restarting the process, and I still had some trepidation.
It worked fine, I understand now it was looking to authorise a 'hold' on the card and not charge it then, but it made the experience edgier than I'd have liked.
May 6, 2026
Reply from Splitit
Hi Simon,
Thank you for the opportunity to clarify how Splitit installment plans work.
After checkout, you will see two transactions on your credit card:
1. One is a temporary authorization (hold); this is not a charge and you do not pay this amount.
1. It is simply a pre-authorization, which is standard for many other types of purchases on your credit card (think hotels, gasoline, etc.).
2. The other is the first installment charge.
1. Each month after, your installment payment is automatically charged until your plan is complete.
Splitit installment plans work using your available credit card balance. That is why the temporary hold on your credit is necessary.
For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!
I wouldn't use again
I wouldn't use again.
I dont think it is clear that the 'temporary authorisation hold' is treated as a charge by your credit card provider. It deducts the total from your credit card balance. I am yet to see if this will cause there to be interest.
May 12, 2026
Reply from Splitit
Thank you for sharing your experience! For all installment plans powered by Splitit, you will see two transactions after checkout:
1. One is the temporary authorization (hold) on your card that guarantees your purchase.
2. The other is the first installment, which is charged immediately.
We have not charged you in full; what you are seeing is the temporary authorization hold, plus your first payment. With Splitit, you get the benefit of only paying your monthly installment, plus all the benefits of paying with your existing credit card, no new loans or any additional fees! We hope this information addresses your concerns!
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