Buy now, pay later

Pay in interest-free installments with Splitit using your Mastercard and Visa credit cards (no debit cards).

Quick and Easy

No credit checks, no paperwork, only fill in your card details

Interest-free

Splitit will not charge any interest

HOW IT WORKS

Simply select Splitit at checkout and enter your card details

No credit checks required but the total amount is held in reserve on your card to ensure payment

Your first payment is taken immediately. The rest will be paid automatically in monthly installments

EXAMPLE

Order Total

£2000

Pay Today

£500 (Total of £1500 held on card)

2ND INSTALMENT

£500 (Total of £1000 held on card)

3RD INSTALMENT

£500 (Total of £500 held on card)

4TH INSTALMENT

£500 (Total of £0 held on card)

IMPORTANT NOTE:

A PAYMENT AUTHORISATION FOR THE OUTSTANDING AMOUNT OF YOUR PURCHASE WILL BE HELD DURING THE FULL PLAN PERIOD as security. This hold will be charged ONLY in the event a monthly payment is declined (the authorisation hold might appear as "Pending" on your credit card bill).
You must maintain a sufficient "Required Available Credit" amount on your credit card for both the full outstanding amount of your purchase and the monthly payment during the full period of the plan.
Your credit card issuer may charge you interest on amounts charged to your credit card unless you pay Your credit card balance in full each month.
In case we do not manage to reauthorize the remaining amount of the transaction, you will receive a notice email. In that case, you will have to promptly update your credit card details. In case your bank still refuses to reauthorize the outstanding amount, we will have to charge the full outstanding amount of the transaction at once from your credit card.

How does Splitit work?

Splitit offers you a flexible way of paying for items in instalments, completely interest-free, by reserving the available line of credit on your credit card. Then, each month, according to your payment plan, Splitit collects the instalment amount and reissues the authorisation request for the remaining balance.

It is important to note that payments are still charged on your existing credit card. Splitit simply provides you the method to do this and information about the instalments. Here is an example of how the service works for a customer buying a £2,000 model in 4 instalments of £500 each:

Splitit obtains authorisation from the credit card company for the full purchase amount of £2,000. This is not a charge on the card; it is simply reserving £2,000 from the customer’s line of credit.
- The credit card company then charges the customer £500 for the first payment.
- During the second month, Splitit requests authorisation for the outstanding purchase amount of £1,500, and charges the customer the second installment of £500.
- This authorisation and charge process continues until the full £2,000 is collected - in this case, for 4 months.

Are there any extra fees involved?

No, this is an interest-free payment method with no additional fixed fees, service fees, interest or hidden fees of any kind.

Will I only receive my item after the final payment has been made?

No, your item will be processed after the first initial instalment and delivered as normal upon passing our Quality Control check at Head Office.

Am I eligible to use Splitit?

- You can pay using Splitit with a valid Mastercard or Visa

What happens to my credit score if I use Splitit?

Nothing, no credit check is required if you use a Splitit instalment plan and there is no impact on your credit score. All the bank sees is the individual instalment charges each month. If one of your payment authorisations is declined, there is still no affect on your credit rating; it is simply a declined charge. The denial would simply accelerate payment of the remaining balance (unless you provide a different card which was not denied).

Which credit cards does Splitit support?

You can pay using Splitit with a Mastercard or Visa. Debit cards, American Express and pre-paid cards are not accepted.

How will the payment instalments appear on my credit card statement?

The instalments appear on your statement as individual charge items with the name of 'Amalgam Collection'. These payments will appear monthly according to your instalment plan, with the same charge amount each time.

For further information visit: https://www.splitit.com/faq/

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Buy now, pay later

HOW IT WORKS

EXAMPLE