Offer no-credit-check financingto every customer.
Splitra connects your business to Denefits' proven financing platform. We handle your onboarding, you get paid upfront, and your customers pay over time.
- No hard credit check
- Approval in 60 seconds
- 0% APR options available
Merchant
Auto Repair Express
Total purchase
$580.00
- Businesses using Denefits
- 40,000+
- Businesses using Denefits
- Happy users
- 300,000+
- Happy users
- Approval rate, no credit check
- 95%+
- Approval rate, no credit check
- Paid in partner commissions
- $1.4M
- Paid in partner commissions
- Proud partners
- 15,000+
- Proud partners
How it works
Simple as 1, 2, 3
From application to approval in under 60 seconds. No paperwork, no hard credit pull, no surprises.
- 1
Apply in seconds
Just a name and the purchase amount — no paperwork, no hard credit pull to get started.
- 2
Approved by Denefits
Splitra submits the application to Denefits, who reviews it and sends back a decision in seconds.
- 3
Pay over time
Choose a plan: Pay in 4 at 0%, or an extended plan up to 60 months, with fixed payment dates set upfront.
For consumers
Pay over time for what matters
No-credit-check payment plans financed by Denefits, with a fixed schedule you know upfront.
Auto repair
Spread the cost of repairs and maintenance into fixed payments, so the car gets fixed today.
Healthcare & dental
Finance medical bills, dental work, vision, and prescriptions. 95% approval even without insurance.
Tools & equipment
Finance the tools that make you money. A $600 purchase that earns you $3,000 is always worth it.
Skills & certifications
Upskilling, training courses, and pro memberships. Invest in yourself and pay over time.
Your Splitra payment plan
- $145
1st payment · Paid
2 weeks ago
- $145
2nd payment · Due today
Today
- $145
3rd payment · Upcoming
In 2 weeks
- $145
Final payment · Upcoming
In 4 weeks
0% APR · No late fees · No hidden costs
Where Splitra works
Every vertical where customers need flexibility
Splitra integrates with any merchant or service provider, online, in-person, or via payment link.
Dental & healthcare
Up to $50,000 · soft pull only
Auto repair
Tires, brakes, maintenance
Tools & equipment
Income-generating purchases
Electronics & devices
Phone upgrades, laptops
Education & training
Courses, certifications
Landscaping & home
Equipment, services
Veterinary care
Emergency pet expenses
Business services
Insurance, licensing, SaaS
Travel & events
Flights, hotels, tickets
For businesses
Close more sales. Grow your revenue.
When customers can afford to say yes, your revenue grows. Splitra handles the approvals and the repayments, so you can focus on your business.
Higher conversion
Customers who can split a $600 bill into 4 payments of $150 say yes more often. More yeses = more revenue.
+40%average conversion lift
Zero integration required
Start with a payment link or QR code, no software, no plugin, no API needed. One link and you're live.
5 minto onboard your first customer
Zero credit risk
Splitra's lending partners carry the repayment risk. If a customer misses a payment, that's on them, not on you.
$0merchant liability on defaults
Merchant dashboard
Track your GMV, conversion rate, approval rate, and repayment performance in real time from one screen.
Liveanalytics and reporting
Partner revenue share
Platforms, ISOs, and affiliates earn ongoing revenue on every transaction you refer. Unlimited earning potential.
Rev shareon every funded transaction
Why Splitra
The BNPL built for the real world
Splitra merchants are approved and funded through Denefits, trusted by 40,000+ businesses nationwide.
Denefits looks at your whole financial picture, not just one number, so more people get a fair yes.
Every plan has a clear schedule set upfront, with payment dates and amounts you know in advance.
Your financial data is yours. We never sell, share, or use your information for third-party marketing. Period.
Payment link, QR code, or embedded checkout. Splitra works at any merchant, online or in person.
Loved by merchants and partners
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Lirael Nassun
@lnassun
“Setup was a single integration. Sending payment links to customers takes seconds, and the dashboard shows exactly where each application stands.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Jessica
@jessica
“Applying for a payment plan at checkout was quick, and I can follow my whole repayment schedule from my own dashboard afterwards.”
Jenny
@jenny
“Sales volume, conversion, and approval rates in one place. Splitra gave us a clear view of how buy now, pay later is actually performing for our store.”
Kira Athrun
@kathrun
“Referral tracking is finally transparent. I can see every merchant I've brought in, their status, and my commissions in one partner dashboard.”
Ken Masters
@kmasters
“We signed up with Splitra once and Denefits handled the rest. Our customers get approved in seconds and we get paid upfront.”
Partner with Splitra
Join the Splitra partner network
Merchants, platforms, ISOs, and affiliates earn revenue on every transaction you refer. Sign up in under 5 minutes.
FAQs
Everything you need to know about Splitra
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