Will I pay any interest or fees when I use Pay Later?

Your plan shows your payments and any fees before you confirm. Split and Extend have different costs.

Split

Split has no interest or ordinary service fees when you pay on time. Your purchase price is divided into the instalments shown at checkout.

Extend for an existing Split plan

Extend helps reduce your monthly repayments by giving you a longer repayment period. It has interest and a monthly service fee, with no initiation fee on this offer.

To view an available offer, sign in at app.stitch.money, open Borrow, select your eligible plan under Orders, then choose Extend now. On mobile, find Borrow in the menu.

Your offer and credit agreement show:

• The balance being moved to Extend, including any unpaid late fees included in it.
• Your monthly repayment and payment dates.
• The interest rate and total interest.
• The monthly service fee.
• The total amount repayable.

Review these amounts before accepting. Your plan instalment debit includes the monthly service fee.

Checking a payment or fee

Open Borrow and select your plan to check the amount due. If a payment is missed, check your plan and terms for any applicable charges. Contact Stitch Support with the order reference if you need help with a fee or payment amount.

See How do I extend an existing Split plan? for the application steps.