Why SplitPay?
Income based,
not score based.
Other BNPL providers rely on credit scores. We rely on your income.
Comparison
| Provider | Income-Based | No Credit Check | Community Focus |
|---|---|---|---|
| SplitPay | |||
| Affirm | |||
| Klarna | |||
| Afterpay |
Advantages
Income verification instead of credit score reliance
Broader eligibility for gig workers and freelancers
Community-based partnerships supporting local business
Transparent fees and responsible risk controls
Sponsor-bank partnership for regulatory compliance
See the difference
What others send vs.
what SplitPay sends
Other BNPL platforms reject you based on a credit score. SplitPay checks your income and approves you—the way it should be.
Hi Customer,
We appreciate your interest in ●●●●●●.
Based on an eligibility check, we can't help you pay for your purchase right now.
Please review the details of this decision in this notice.
To complete your purchase with a different payment method, please return to the merchant.
Not approved
We are unable to offer you financing at this time.
Hello Customer,
We appreciate your interest in SplitPay.
Based on an eligibility check,
we can APPROVE YOU!
To complete your purchase, please submit required documents:
Once verified, you can proceed with your purchase using SplitPay.
SplitPay uses income verification—not credit scores—so more people get approved.