Why was my Pay Later application declined?

Not every Pay Later application is approved. For regulatory reasons in South Africa, we can't share the specific criteria used in the assessment. This applies to all credit providers, not just Stitch.

How the assessment works

When you sign up, we run a credit assessment based on your credit profile, your affordability, and a set of regulatory checks. This happens once, as part of sign-up.

If you've been declined for Extend but approved for Split

Extend has stricter eligibility than Split because it offers a higher available spend limit and lets you defer the first payment. You might be approved for Split (our interest-free, shorter-term option) but not Extend. You can carry on using Split as normal.

If you've been declined for both

We don't currently re-run the credit assessment after sign-up, so there isn't a way to retry from your side or ours. We don't have a self-serve way to reapply right now, and our team can't manually override a decline.

You can still pay with Stitch

If you're trying to check out with a merchant who accepts Stitch, you can still pay directly from your bank account using Pay by bank. This doesn't need a credit check or a Stitch account, you just pay from your account at the time of purchase.