Why was my Pay Later application declined?

Pay Later applications include an assessment of your credit profile and affordability. The outcome shown in your application applies to the product you applied for.

If your Extend application was declined

Extend has its own assessment because it creates a new credit agreement for your existing Split balance. Your existing Split plan continues on its current repayment schedule.

Sign in at app.stitch.money, open Borrow, then select your existing plan under Orders to check the payment dates. On mobile, find Borrow in the menu.

Identity verification and credit assessment

These are separate steps. You can complete identity verification and receive a decline at the credit assessment stage. Check the message shown in your application, or contact Stitch Support if you need help understanding which step it concerns.

Other ways to pay with Stitch

At a merchant that offers it, Pay by bank lets you pay directly from your bank account at checkout without applying for Pay Later.