Stores that accept Splitit

Splitit splits a purchase into monthly payments on the credit card you already have, with no new loan and no credit check. Here are the US stores we have confirmed offer it, what it costs and what to watch out for.

  • 9 stores confirmed
  • List checked Nov 11, 2026
  • US stores only

Splitit at a glance

Cost
No Splitit interest

Splitit adds no interest on standard plans. Your card's interest applies if you carry a balance. Some plans show a charge at checkout.

Credit check
None

Splitit doesn't run a credit check and doesn't report to credit bureaus as a separate account.

Cards
Credit cards

Visa and Mastercard, and at some stores American Express, Discover or UnionPay. Debit and prepaid cards usually aren't accepted.

Payment date
Fixed

Payments are charged automatically, monthly or every two weeks. The payment date can't be changed.

Plans

  • Monthly installments on your credit card The store sets the number of payments. The full price is held on your card and released as you pay.

Checked Nov 11, 2026. Sources: Splitit credit card installments; Splitit US shopper terms

Watch out for

  • The full price is held on your card, so you can't use that part of your credit line until you pay it down.
  • If the hold can't be renewed, the whole remaining balance can be charged at once.
  • Your card's interest and fees apply if you don't pay your statement in full.
  • You need a credit card with enough available credit for the full price.

How it works

  1. Choose Splitit (or monthly installments) at checkout.
  2. Pick the number of payments and enter your credit card.
  3. The full price is held on your card and the first payment is charged.
  4. The rest is charged on schedule, and the hold shrinks as you pay.

Stores that take Splitit

Each store was checked on its own website. The date shows when we last checked. Stores can stop offering Splitit, so confirm at checkout.

  • Blue Nile

    Pay later

    Jewelry & watches

    The store’s website says it offers Splitit

    Splitit · Affirm

    Checked Nov 11, 2026

    Visit Blue Nile

  • Canyon

    Pay later

    Bikes, water & outdoors

    The store’s website says it offers Splitit

    Splitit · Klarna · Affirm

    Checked Nov 11, 2026

    Visit Canyon

  • EcoFlow

    Pay later

    Bikes, water & outdoors

    We saw Splitit at the store’s checkout

    Splitit · Klarna · Affirm +3

    Checked Nov 11, 2026

    Visit EcoFlow

  • Exxentric

    Pay later

    Fitness & sports

    The store’s website says it offers Splitit

    SplititHSA/FSA

    Checked Nov 11, 2026

    Visit Exxentric

  • Loose Grown Diamond

    Both

    Jewelry & watches

    The store’s website says it offers Splitit

    Splitit · Klarna · Affirm +1

    Checked Nov 11, 2026

    Visit Loose Grown Diamond

  • Med Mart

    Both

    Health & recovery

    The store’s website says it offers Splitit

    Splitit · PayTomorrow

    Checked Nov 11, 2026

    Visit Med Mart

  • Pedego

    Pay later

    Bikes, water & outdoors

    We saw Splitit at the store’s checkout

    Splitit · Shop Pay Installments

    Checked Nov 11, 2026

    Visit Pedego

  • Upway

    Pay later

    Bikes, water & outdoors

    The store’s website says it offers Splitit

    Splitit · Klarna · Affirm +2

    Checked Nov 11, 2026

    Visit Upway

  • Yarbo

    Pay later

    Home improvement

    We saw Splitit at the store’s checkout

    Splitit · Affirm · Shop Pay Installments +2

    Checked Nov 11, 2026

    Visit Yarbo

We checked 21 stores, from our earlier list and new research, and kept only the 9 where we could confirm Splitit on the store’s own website or at its checkout (we stop before paying and never place orders). We checked online shopping; in-store financing can differ. Know a store we missed? Tell us.

Browse all stores by category

Each category page lists every store we have checked, with all the ways to pay there, not just Splitit.

Questions people ask

Does Splitit check your credit?

No. Splitit doesn't run a credit check, because it uses the credit you already have on your card.

Does Splitit charge interest?

Splitit adds no interest on standard plans. Your card issuer's interest applies if you don't pay your statement in full, and some plans show a charge at checkout.

Can I use a debit card with Splitit?

Usually not. Splitit says debit and prepaid cards aren't supported, though a store may allow them.

Why is the full amount held on my card?

Splitit places a hold for the full price to confirm you have the credit. It shrinks as you pay. If it can't be renewed, the remaining balance can be charged at once.

CompareOther pay-later appsSee how Splitit compares with Affirm, Klarna, Afterpay, PayPal Pay Later and more.

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. How we make money