Stitch Pay Later is transparent: you see every payment and every fee before you commit. Here's the at-a-glance view of what you might pay.
Split
No interest, no fees. When you check out with Split, your purchase price is divided across 2 to 6 monthly instalments. The price at checkout is exactly what you pay across the schedule. No service fees. No setup fees. No interest.
Extend
Fair, transparent rates, shown upfront. Extend lets you spread larger purchases over a longer term, with the first payment deferred until a month after checkout. Where finance charges apply, they're shown in your payment schedule before you confirm. There are no hidden fees.
Late fees
If we can't collect a Pay Later instalment on its due date, a late fee may apply. The exact amount is shown in your payment schedule when you check out, so you always know the maximum you could pay.
What's never charged
- No fee to sign up for Stitch Pay Later.
- No fee to view or manage your plan in your Stitch account.
- No early-settlement fee. Pay your plan off early without any extra cost.
Total cost of credit
For Extend plans, the total cost of credit (the amount you pay over and above the purchase price, if any) is summarised on your payment schedule. This is the single number to look at if you want to know what a plan will cost you in total.
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