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Splitit Reviews 22,904

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TrustScore 4.5 out of 5

4.3

Payment service
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Review summary

Created with AI, based on recent reviews

Considering 3,729 reviews, reviewers overwhelmingly had a great experience with this company. Many customers find the service very easy to use and appreciate the flexibility of payment options, allowing them to split payments over time without interest. This payment method is particularly helpful for larger purchases, making items more affordable and providing peace of mind, especially when payments are only made after goods are received. Reviewers frequently highlight the convenience and efficiency of the system, noting that it allows them to control their payments comfortably and acquire desired products or services at an affordable rate. However, some customers also noted confusion and dissatisfaction regarding the payment process, particularly the initial full amount being held on their credit card as a pending charge. This practice led to concerns about credit utilization, blocked funds, and in some cases, even double charges, which impacted their ability to use their credit card for other purchases or negatively affected their credit report.

What people talk about most

Payment

Customers consistently note ambiguous experiences with payment, with many appreciating the ability to split... See more

User experience

Users describe positive interactions with user experience, finding it easy to use and set up, which helps... See more

Product

Reviewers highlight ambiguous aspects of product, with many appreciating the ability to purchase... See more

Service

People report positive experiences with service, often highlighting its value, convenience, and quickness.... See more

Price

Customers had ambiguous experiences with price, with some finding it affordable and beneficial for managing... See more

Reviews shaping this summary

Rated 4 out of 5 stars

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

Rated 4 out of 5 stars

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

Rated 4 out of 5 stars

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

Rated 4 out of 5 stars

Was easy process. Did get concerned with the pay part before seeing plan options maybe different wording as not confuse customers

Company details

  1. Payment service
  2. Financial advisor

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

4.3

Excellent

TrustScore 4.5 out of 5

23k reviews

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Rated 1 out of 5 stars

Its fake it takes down all the money…

Its fake it takes down all the money once i dont understand why its called instalment ..

Update for your reply, costed 120 euro holded 120 wur then refunded then took 80 euro whays up now?

30 May 2026
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Reply from Splitit

Hi Krisztian,

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!

Rated 1 out of 5 stars

Warning SplitIt runs an authorization for the entire amount of your purchase not just the first payment

The company buries way down in a footnote in a long PDF that nobody can read on their phone, that they run two authorizations: one for first payment and a second for the total of the remaining payments! This locks up your available credit on a credit card or worse in your checking account FOR 30 DAYS. This violates Visa rules. And it's totally stupid idea because if you had the credit in the first you wouldn't be paying your 10% surcharge to spread out payments.

30 May 2026
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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!

Rated 1 out of 5 stars

The payment hold is too long

The payment hold is too long - more then a week, which cripple card usage...
Aweful

30 May 2026
Splitit logo

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!

Rated 4 out of 5 stars

Fair service

The company I purchased from (My Patriot supply) sent me to you. They used to use a selection of different companies, but I’ve used you before for other things that I purchased such as my previous purchase of lectric -E-bike. Approximately four years ago I had a long-term arrangements with you and everything was just fine. You provide a valuable service in my opinion.

25 May 2026

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