How does Splitit differ from other Buy Now, Pay Later providers?

Splitit is not finance and does not involve taking out a new loan or credit.

Splitit provides technology that allows stores to offer instalment payments to their shoppers using credit cards shoppers already have. 

When you make a purchase using Splitit, you do not take out new credit so there is nothing for us to check with or report to credit reference agencies. Your credit score should be unaffected. 

Your credit card provider will normally report your activity to credit reference agencies so you should always check this.

Splitit does not charge any additonal interest or fees; even if you pay late. However, there may be charges from your credit card provider, so you should always check.