Splitit Reviews 22,903

TrustScore 4.5 out of 5

4.3

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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 5 out of 5 stars

they have excellent payment options…

they have excellent payment options in so anything you need 50 bucks or over you can put it on there payment plan it'll be splitting up you can pay some right then and there or you can just pay weekly bi-weekly you make your choice they give you a credit limit to get there merchandise right away very easy

6 June 2026
Unprompted review
Rated 1 out of 5 stars

What are they gaining if there's no fees, they make no money

First of all, there are some honest working, some disabled and aren't able to work. Some people make the horrible mistake of paying cash for everything they buy their whole life and have no credit. Can't get a credit card. .I have read that when a refund is needed, you blame the company when you're the company they refunded, not the consumer that purchased . If it's too good to be true, it usually is.

6 June 2026
Unprompted review
Splitit logo

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.

Returns and refunds must be approved by the Merchant you purchased from, and once approved, will be reflected automatically on your installment plan. 

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!

Rated 5 out of 5 stars

SPLITIT MAKES BUYING SIMPLE.

First of all I never heard of Splitit before. I wanted to purchase a product but couldn’t pay upfront all at once, so I inquired to the company. A Representative walked me through the steps, than I was enrolled and my first payment drew with that phone call. I just like how Splitit works.

22 May 2026
Rated 1 out of 5 stars

This is a joke guys.Don’t use.Is…

This is a joke guys.Don’t use.Is blocking your whole amount on your account until you’re pay full amount.No make sense.Klarna is The best option

26 May 2026
Splitit logo

Reply from Splitit

Hi Magdalena,

Thank you for sharing your experience. However, our payment solution works differently than products like Klarna and Affirm. With them you are required to open a new loan, which can impact your credit score, and they charge you additional interest on your purchase.

When you make a purchase using Splitit, the plan amount is temporarily authorized (held) on your card to guarantee future payments, but only your first installment is actually charged. Each month after, you only pay for the next installment until your plan is complete. 

For any other questions regarding Splitit please navigate to the Shopper Portal https://consumer.splitit.com/active and engage with our 24/7 chat team!

Rated 1 out of 5 stars

Failed to refund third party funds.

I entered into an agreement for services from Alternacare. They use Splitit that puts holds on my credit card that became confusing and cumbersome. When I elected to not go forward with Alternacare program, a credit of over $400 was refunded to Splitit and now it has been almost a month and Splitit has failed to refund the Monies back on my credit card. Very poor job of handling refunds.

10 May 2026
Unprompted review
Splitit logo

Reply from Splitit

Hi Jon,

Thank you for sharing your experience, and we apologize it was not a positive one this time.

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.

Returns and refunds must be approved by the Merchant you purchased from, and once approved, will be reflected automatically on your installment plan. 

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!

Rated 5 out of 5 stars

Great service

Very good experience with Splitit on AliExpress purchases. The process was quick, simple, and transparent. I only paid once the goods were received, which gave me extra confidence and peace of mind. I would definitely use it again.

25 May 2026
Rated 4 out of 5 stars

Split it and then quit it easy as that

It is one of the easiest apps to use in regards to not only your purchases and keeping those regulated, it keeps my spending in check.Never go beyond your means. There are a couple of ways that you can make your payments which is excellent because sometimes you just don't have the exact amount on that day, but this app is willing to work with you.It's as if it knows you're having hard times but you know that you can pay that bill , it's an app that actually cares

3 June 2026
Unprompted review
Rated 5 out of 5 stars

I was very satisfied with both the payment and service

I was very satisfied with both the payment and support aspects. The support team I had helped me understand how the whole process would work and what steps I need to follow. I am also very satisfied with the online application where I connect directly with my email and can see how many installments I have left to pay and how long it will take to finish, I can pay in advance or if I want I can pay and close the entire amount.

1 June 2026
Unprompted review

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