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

Whether you pay any interest or fees depends on whether you're using Split or Extend. Either way, you see the full cost of your plan before you commit.

Split is interest-free

Split has no interest and no fees. The price you see at checkout is the price you pay, divided into equal instalments. There are no hidden costs and no sign-up charges.

Extend has transparent rates

Extend gives you access to bigger brand stores and a higher Pay Later limit, with fair financing rates shown upfront. Before you confirm an Extend plan, you'll see:

• The total cost over the life of the plan
• The amount of each instalment
• The dates of each instalment

You see this all in one place, before you tap confirm. No hidden charges and no surprise fees.

What if I miss a payment?

If a payment is missed, your Stitch account has self-service options to catch up. You can use Pay now to settle the next instalment, or Pay all I owe to clear the whole outstanding balance. Late or missed payments may be reported to credit bureaus, and may affect your eligibility for future Pay Later purchases on both Split and Extend.