FAQ
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Everything you need to know about SplitPay.
SplitPay is an inclusive Buy Now Pay Later (BNPL) platform that allows consumers to split purchases into manageable installments. Unlike traditional BNPL providers, we use income verification and cashflow analysis rather than relying solely on credit scores.
No. SplitPay evaluates eligibility primarily through income verification — paystubs, bank statements, or cashflow analysis. Gig workers, students, and individuals with limited credit history are welcome to apply.
Your purchase is divided into 4 equal installments spread over a defined period. You'll know the exact amounts and due dates upfront so you can budget with confidence.
SplitPay charges a risk-based service fee (3%–8%) depending on your profile and payment plan. This is disclosed transparently before you confirm. There are no hidden interest charges.
A modest late fee may apply within legal limits. We also send automated reminders before each due date to help you stay on track. Responsible repayment increases your spending limits over time.
SplitPay is launching in California with a pilot program targeting community-based merchants such as gyms and local organizations. National expansion is planned following a successful pilot.
Click the "Join the Waitlist" button on the home screen, enter your name and email, and select what best describes you. We'll notify you when early access opens in your area.