Splitit (www.splitit.com) has a 4.3 out of 5 rating on OK.one, based on 204 user reviews collected here. It is listed under Business Services and its reputation is good. 83% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 94% of negative reviews. Last updated 2026-08-10.
To be able to obtain goods and services…time to pay
To be able to obtain goods and services without the financial strain of full payment, and the ensuring depletion of incidental funds for a period of time, such as one or two weeks, is a great privilege and something to be enjoyed.
It is a form of freedom, yet a freedom that when conducted properly, does have healthy constraints… one constrain I have is my being governed by and restricted to keeping a budget!
This is self-regulating and a very important form of self-restraint.
So, the ability to do this comes back to the facility of simple time to pay.
Joy · 4 reviews · Verified · Experienced 2026-07-26 ·
★★★★★
very easy to make payments w no interest
M
Mary A · 2 reviews · Verified · Experienced 2026-07-30 ·
★★★★★
First Time Using This Service
It was so easy to set up and easy to use. The entire transaction was thoroughly and well explained so there was no confusion about it. I will definitely use this service again.
Wasn’t super clear that a hold number would be held on the account, as I used a credit card, it is essentially a pointless service
Reply from Splitit2026-08-06
Thank you for sharing your experience! For all installment plans powered by Splitit, you will see two transactions after checkout:
1. One is the temporary authorization (hold) on your card that guarantees your purchase.
2. The other is the first installment, which is charged immediately.
We have not charged you in full; what you are seeing is the temporary authorization hold, plus your first payment. With Splitit, you get the benefit of only paying your monthly installment, plus all the benefits of paying with your existing credit card, no new loans or any additional fees! We hope this information addresses your concerns!
I think it’s a great idea that you can pay it up and everything went smoothly the pillows are amazing I’m just waiting on my mattress topper coming it says September delivery but hopefully sooner
