Split vs Extend: how to tell which you're using

Stitch Pay Later comes in two variations: Split and Extend. They work in similar ways with a few important differences. Here's how to tell them apart.

The short version

Split divides your purchase into monthly payments with no interest and no fees. Extend gives you access to bigger brand stores and a higher Pay Later limit, with fair financing rates shown upfront.

Which one am I using?

The store you're shopping at decides which option to offer at checkout. When you pay with Stitch, you'll see clearly which option you're choosing. The total amount, the number of instalments, the payment dates, and any costs are all shown before you confirm. You can always go back before tapping confirm.

Can I use both?

Yes. If you've been approved for Extend, your spending limit applies to both Split and Extend purchases at participating stores. You can have multiple plans of either type active at the same time.

If you've only signed up for Split and want to add Extend later, you'll need to do a bit more verification. Going the other way, an Extend signup also covers Split with no additional steps needed.

Why two options?

Different stores offer different terms. Where Split is available, you pay over time interest-free. Where Extend is available, you get access to bigger brand stores and a higher Pay Later limit, with clear financing costs shown upfront. Stitch Pay Later puts you in control of the option that works best for your purchase.