How It Works
Shop now,
pay later.
Getting approved and shopping with SplitPay takes minutes, not a credit check.
Saddle up — the fun's just getting started.
Apply at Checkout
Select SplitPay at any participating merchant's checkout. Enter basic personal and financial information to get started.
Income Verification
We evaluate eligibility using paystubs, bank statements, or cashflow analysis — not your credit score.
Instant Decision & Plan
Receive a clear payment schedule. Higher-risk profiles may provide a small down payment; all terms are transparent.
Shop Now, Pay Over Time
Split your purchase into 4 equal installments. Automated reminders help you stay on track.
Features
Income-Based Approvals
Eligibility based on cashflow and income verification. Great for gig workers and students.
Pay-in-4 Structure
Split any eligible purchase into 4 equal, predictable installments over a defined period.
Responsible Risk Controls
Spending limits increase with responsible usage. Built-in fraud prevention.
Seamless Integration
Integrates with existing checkout systems via payment gateways and in-store support.