Split lets you pay for a purchase in instalments. Extend helps you reduce the monthly repayments on an eligible existing Split plan by spreading its remaining balance over a longer repayment period, with an additional 2 to 4 months to pay.
| Split | Extend for an existing Split plan | |
|---|---|---|
| When you use it | When you pay for a purchase with Pay Later | After you have an eligible Split plan |
| Where to find it | At a participating store's checkout | In your Stitch account under Borrow |
| Interest and service fees | No interest or ordinary service fees when you pay on time | Interest and a monthly service fee, shown before acceptance |
| Repayment options | Shown before you confirm the purchase | Shown in your Extend offer |
| Checks | The checks for your Split application | Income and affordability information and any documents requested |
Where can I see my plan?
Sign in at app.stitch.money, open Borrow, then select your plan under Orders. On mobile, open the menu to find Borrow. An eligible plan shows an Extend offer.
Select your plan under Orders on the Borrow page. Example screen. Your account shows the amounts and options available to you.
Once you activate Extend, your new agreement replaces the selected Split plan's remaining repayment schedule. Check the new plan under Borrow for your payment amounts and dates.
See How do I extend an existing Split plan? or Will I pay any interest or fees?.
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