Splitit Reviews 19,965

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. People appreciate the service for its user-friendly website and streamlined processes. Consumers highlight the convenience of splitting payments into smaller installments, making larger purchases more manageable. The possibility to use existing credit cards without credit checks is also appreciated. Customers find the service particularly helpful for budgeting and managing finances. The ability to spread payments over time, often without interest, is seen as a significant advantage. However, some reviewers express concerns about payment processes, such as initial charges and holds on credit cards, indicating mixed experiences with payment aspects.

Based on these reviews

Rated 4 out of 5 stars
Verified

This is my first time using Splitit but so far I have nothing bad to say about it. Definitely makes things convenient for those of us that can't pay certain things up front and need to split up payme... See more

Rated 4 out of 5 stars
Verified

Process was easy. What I did not appreciate is splitit kept blocking the outstanding balance on my credit card for 30 days. Not a fan of this.

Rated 4 out of 5 stars
Invited

Today I had a zoom meeting with Armando. He was able to go through their entire platform in a short period of time. He was very patient and willing to answer all of my questions. Thank you Armando... See more

Rated 4 out of 5 stars
Verified

The money part went well. They first charged the whole amount which was pending and taken off within 48 hours. Then the monthly charge went through. But since then I have not heard from any coach for... See more

Rated 5 out of 5 stars
Verified

I was able to make my purchase without interest or fees for a short-term period using a card I already have. This is a great option for purchases without racking up huge charges to your card when hand... See more

Rated 5 out of 5 stars
Verified

I never knew this service existed, it's convenient and safe. Its gives confidence in knowing that you can buy and pay installments without harming your credit score. Good one guys

Rated 5 out of 5 stars
Verified

I didnt know anything about nor heard of Splitit until making a purchase, so far although I've only just made the purchase so we shall see that it all goes smoothly. But the ability to spread payments... See more

Rated 5 out of 5 stars
Verified

Used to buy something expensive from Ali Express as I was dubious about goods from China getting through the post. I split the payment into one and pay when delivered. This took the fear of being scam... See more

Rated 5 out of 5 stars
Verified

This was my first time trying a payment option. I must say I was pleasantly surprised that everything went extremely well and wouldn't hesitate to use this service again.

Rated 5 out of 5 stars
Verified

What's not to like! No credit check and an almost instant transaction. Don't worry about seeing the balance on your credit card account at first, this is explained and is later removed from your pendi... See more

Rated 3 out of 5 stars
Verified

Honestly, I never saw that Splitit had hidden clauses (which should have been verbalized) that took out the entire $ 10,000 in one go, thus interfering with my credit rating with the credit bureau. T... See more

Company replied

Rated 5 out of 5 stars
Verified

Very Helpful By being able to split my payments, I was able to purchase the solar generator that I wanted and needed. Thank you for your help.

Rated 5 out of 5 stars
Verified

Never heard of it, but very good experience. Easy, well informed how procedures and payments will be and flexible to pay off everything whenever I want!

Rated 3 out of 5 stars
Verified

my Visa was charged the remainder amount immediately after my first month’s payment. Fortunately, my VISA company flagged it as a possible fraud. Apparently the company wants to make sure that the mo... See more

Company replied

Rated 3 out of 5 stars
Verified

I previously reported that I did not use your service & doubt that I ever will. I paid my entire purchase price for my item at the time I bought it. Please stop asking me for feedbak.

Company replied

Rated 5 out of 5 stars
Verified

It wasn't a huge amount, but I wanted to ease into it over several months. Splitit was simple to use with very little, though some, information needed. I felt confident in providing my information, an... See more

Rated 5 out of 5 stars
Verified

So, my experience with splitit was pretty seamless. Just chose that mode of payment and ordered my thing. I give it 5 stars in that regard, but it's hard to accurately rate something solely based on a... See more

Rated 5 out of 5 stars
Verified

For the first time in my life (75 years) I felt the need to buy 4 months of emergency food. I didn't want to buy it but felt it was worth it for a little insurance. What made me actually press... See more

Rated 5 out of 5 stars
Verified

Made my life easier. Rather than paying 2300 dollars in two installments I will be paying smaller payments for a year.

Rated 5 out of 5 stars
Verified

I have received my refund within time frame , they have very good support system for customers, I will recommend and will be happy working with them Thanks

Company replied

Rated 3 out of 5 stars
Verified

The coaching is going well, but it was a shock to make a year long commitment at that expense when all the introductory information was void of this information. I thought I’d be paying for only the L... See more

Company replied

Rated 5 out of 5 stars
Verified

Splitit was extremely easy to use. It would have been better if CopperSmith would wait and collect the balance when the product was ready to ship but that is there policy….not yours! I think they sh... See more

Rated 5 out of 5 stars
Verified

Really easy process for splitting the bill to smaller installments. Made it easy to commit to a larger purchase when the store offered Splitit as one of the payment methods.

Rated 5 out of 5 stars
Verified

Easy of application and approval. Really needed to cut the payments without having to pay interest. This service is really vital to me being able to afford the class.

Rated 5 out of 5 stars
Verified

Easy to keep track of payment via monthly email reminders of due payments, then the payment paid and count down of payments left.

Rated 5 out of 5 stars
Verified

Never used it before but I think its a great service after watching the video and i under stood how it work with the payments. Great service

Rated 5 out of 5 stars
Verified

Splitit makes it so much easier to keep to our budget (fixed income) when we have a higher priced item in our cart

Rated 5 out of 5 stars
Verified

Loved the transparency from start to finish. Everything went as was promised and would recommend to anyone who is looking for a hassle and interest free experience.

Rated 5 out of 5 stars
Verified

It was a great experience knowing I could split the payment into 12 installments without having to pay interest. Game changer. Thank you!

Rated 5 out of 5 stars
Verified

Its such a quick and simple way to set up payment plan that I wish it would available on a wider range of online sites

Rated 4 out of 5 stars
Verified

User friendly. I would have appreciated if the full authorised amount has been unblocked sooner.

Rated 5 out of 5 stars
Verified

If your visa has a pay back cap, you can get your full Visa amount % by splitting it over two months.

Rated 5 out of 5 stars
Verified

The terms presented were easy to understand and the whole process was very streamlined. I received a receipt immediately after joining.

Rated 5 out of 5 stars
Verified

Easy to use easy to see the upcoming payments and the dates that they are due. I like to pay ahead and I can automatically see how it’s been done.

Rated 5 out of 5 stars

Helped resolve my issue with the retail merchant. Friendly and professional. Had good experience with them and would recommend them

Rated 5 out of 5 stars
Verified

Well for now payments over time made it better to get started on thing's I would like to get. Just hope you stick to the payment as set up and no more charges .

Rated 5 out of 5 stars
Verified

Breaking the payment up certainly makes finances more manageable which always helps with budgeting.

Rated 5 out of 5 stars
Verified

They have been very helpful to me in ally purchases. Gave me time to pay without interest which is very very helpful. Thanks guys

Rated 5 out of 5 stars
Verified

It was easy, simplified and I was able to buy my product with confidence.

Rated 3 out of 5 stars
Verified

Havent had it long enough to judge it . Not acclimated yet. it was delivered on time, I can say

Company replied

Rated 4 out of 5 stars
Verified

The process was simple, but when making the initial one-month payment, not only did that amount get deducted, but the entire amount was deducted. It sat for a couple days and took my credit card into... See more

Rated 5 out of 5 stars

I had an issue with the monthly payment and Ramona from the Customer Servie team replied quickly and provide a reassuring message and clear indications on how to proceed. A user-friendly website that... See more

Rated 4 out of 5 stars
Verified

No issues, charge was done after I confirmed receiving the product. They just authorized the amount from my credit card as an insurance but didn't charge until the product was received and I expressed... See more

Rated 5 out of 5 stars
Verified

Thank you for your service thanks for each time it's a pleasure easy understanding timely mannered answers, you can tell they love their job always willing to assit

Rated 5 out of 5 stars
Verified

The fact that you can split an amount monthly with your credit card is really helpful, also the fact that it doesn't involves getting a credit score check, which can take longer. It's fast, simple and... See more

Rated 5 out of 5 stars
Verified

Very easy to deal with when you need help to make a purchase so you don't overload yourself at one time you can stretch it out very comfortably

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Company details

  1. Payment Service
  2. 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

4.3

Excellent

TrustScore 4.5 out of 5

20K reviews

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Replied to 99% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars
Verified

So clutch!

I love how it made us able to buy our puppy. The 0% interest was also amazing too. At first I didn’t like how they charged the full amount to my card but I understand. It’s to see that you have the available credit. They also let you use your credit card for payments which is awesome. I rarely have to do payments plans anymore, but if I have to do it again I’ll for sure use split it. Thanks for a great service!

7 October 2025
Rated 1 out of 5 stars
Verified

This is the worst thing I have ever did…

This is the worst thing I have ever did had to pay twice still in the hole cause of this

18 May 2025
Splitit logo

Reply from Splitit

Hi Philip, I'm very sorry to hear about your negative experience. There is no situation where you should be paying twice... could you reach out to us directly so we can look into this? I cannot find any Splitit plans with the limited details provided in your review. 

We hope to hear from you soon! 
- Splitit Client Support Director

Rated 5 out of 5 stars
Verified

Less Medical Stress

It made it less stressful om trying to figure out how I was going to be able to pay for a medical test that I needed to have done.

6 October 2025
Rated 1 out of 5 stars
Verified

Not installed yet

6 October 2025
Splitit logo

Reply from Splitit

Hi Mal, it looks like your review is about the item you purchased and not the Splitit installment program - which allows you a flexible way to pay over time for your purchases. 

We hope you loved our Splitit program, and if so, would love to see an updated review reflecting your experience with Splitit's installment plan!

Rated 5 out of 5 stars
Verified

Great experience with Splitit

The process was smooth and easy to follow. I only needed to understand that the full amount (minus the first payment) is reserved on your card. Now that I know how it works, I’d definitely use it again for larger purchases. Make sure you have the full amount available to avoid any issues. Overall, great and reliable service.

6 October 2025
Rated 5 out of 5 stars
Verified

Love Splitit!

I am really grateful for Splitit. The manageable payments really helped out. I highly recommend Splitit.

6 October 2025

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