Buy now, pay later.For real life.
Splitra Financial brings flexible BNPL to consumers and businesses across every vertical, from dental care to auto repair, tools to training. No credit score required.
- No hard credit check
- Approval in 60 seconds
- 0% APR options available
Merchant
Auto Repair Express
Total purchase
$580.00
- Business verticals served
- 10+
- Business verticals served
- Approval rate
- 95%
- Approval rate
- Average approval time
- 60 sec
- Average approval time
- Max financing available
- $50K
- Max financing available
- APR on pay-in-4 plans
- 0%
- APR on pay-in-4 plans
Denefits
Affirm
Splitit
Sunbit
WisetackDenefitsAffirmSplititSunbitWisetackDenefitsAffirmSplititSunbitWisetackDenefitsAffirmSplititSunbitWisetackDenefitsAffirmSplititSunbitWisetackDenefitsAffirmSplititSunbitWisetackHow it works
Simple as 1, 2, 3
From application to approval in under 60 seconds. No paperwork, no hard credit pull, no surprises.
- 1
Connect your income
Link your gig platform (Uber, DoorDash, Upwork) or bank account. We verify your real income, no pay stubs required.
- 2
Get approved instantly
Our AI model reviews your income signals in seconds. Most applicants receive a decision before they finish their coffee.
- 3
Pay over time
Choose your plan: Pay in 4 at 0%, or extended plans up to 60 months. Payments sync to when you actually get paid.
For consumers
Built for the way you actually earn
Traditional BNPL was designed for 9-to-5 workers. Splitra was built for everyone else.
Gig workers
DoorDash, Uber, Instacart, Upwork and more. We read your real platform earnings, not a W-2 you don't have.
Healthcare & dental
Finance medical bills, dental work, vision, and prescriptions. 95% approval even without insurance.
Tools & equipment
Finance the tools that make you money. A $600 purchase that earns you $3,000 is always worth it.
Skills & certifications
Upskilling, training courses, and pro memberships. Invest in yourself, pay when you're earning more.
Your Splitra payment plan
- $145
1st payment · Paid
2 weeks ago
- $145
2nd payment · Due today
Today
- $145
3rd payment · Upcoming
In 2 weeks
- $145
Final payment · Upcoming
In 4 weeks
0% APR · No late fees · No hidden costs
Where Splitra works
Every vertical where customers need flexibility
Splitra integrates with any merchant or service provider, online, in-person, or via payment link.
Dental & healthcare
Up to $50,000 · soft pull only
Auto repair
Tires, brakes, maintenance
Tools & equipment
Income-generating purchases
Electronics & devices
Phone upgrades, laptops
Education & training
Courses, certifications
Landscaping & home
Equipment, services
Veterinary care
Emergency pet expenses
Business services
Insurance, licensing, SaaS
Travel & events
Flights, hotels, tickets
For businesses
Close more sales. Grow your revenue.
When customers can afford to say yes, your revenue grows. Splitra handles the approvals and the repayments, so you can focus on your business.
Higher conversion
Customers who can split a $600 bill into 4 payments of $150 say yes more often. More yeses = more revenue.
+40%average conversion lift
Zero integration required
Start with a payment link or QR code, no software, no plugin, no API needed. One link and you're live.
5 minto onboard your first customer
Zero credit risk
Splitra's lending partners carry the repayment risk. If a customer misses a payment, that's on them, not on you.
$0merchant liability on defaults
Merchant dashboard
Track your GMV, conversion rate, approval rate, and repayment performance in real time from one screen.
Liveanalytics and reporting
Partner revenue share
Platforms, ISOs, and affiliates earn ongoing revenue on every transaction you refer. Unlimited earning potential.
Rev shareon every funded transaction
Why Splitra
The BNPL built for the real world
We go where other BNPL providers won't, because we verify income differently.
We look at your whole financial picture, not just one number, so more people get a fair yes.
Payments are timed to when you get paid, not a fixed calendar date. Missed a week? We reschedule automatically.
Your financial data is yours. We never sell, share, or use your information for third-party marketing. Period.
Payment link, QR code, or embedded checkout. Splitra works at any merchant, online or in person.
Loved by merchants and partners
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We plugged Splitra into our checkout once and stopped juggling separate BNPL contracts. Every application now goes to the provider likeliest to approve it.”
Partner with Splitra
Join the Splitra partner network
Merchants, platforms, ISOs, and affiliates earn revenue on every transaction you refer. Sign up in under 5 minutes.
FAQs
Everything you need to know about Splitra
Can't find what you're looking for? Contact our Splitra support team