Kavara
Choose Kavara at checkout
Tap the coral badge and pay with Kavara at the stores you already shop.
Split 4
Split 41 lets you buy now and pay later by dividing your purchase into four interest-free payments, so a full basket never lands all at once.
Start shoppingSplit 4 divides your purchase into four interest-free payments, taken every two weeks.
Tap the coral badge and pay with Kavara at the stores you already shop.
Pick Split 4 and your first payment is taken when the order ships.
The next three payments are charged every 14 days. We send a reminder before each one.
No Kavara badge at checkout? There are still four ways to pay with us wherever you are.
Order now and take up to 30 days to pay, with no late fees or interest when you pay on time. Only pay for what you keep.
Learn morePay for what you love right away. Fast and secure, with stored cards and buyer protection.6
Learn moreNeed longer? Spread the cost over smaller monthly payments. Terms from 3 to 24 months.7
Learn moreQuestions about using Split 4? Find your answers below. For anything else, our customer team is a message away.
Split 4 divides your purchase into four interest-free payments, taken every two weeks.
Anyone 18 or over with a valid debit or credit card and a billing address in a market we serve. Each purchase is reviewed on its own.
At any store showing the Kavara badge at checkout, and anywhere Orbis is accepted when you use the Kavara Card.
We retry the payment and send a reminder first. If it still cannot be collected, your Kavara account is paused until the balance is settled.
Applying for Split 4 does not affect your score. Longer financing options include a full credit check, and we tell you before you apply.
Yes. Four payments, no interest, and no fee when each one is collected on schedule.
Track what you owe and get a nudge before every due date, wherever you are.
Download the app:
1 Instalment loans arranged under a state financing licence. Licence #4082199.
2 Anywhere Orbis is accepted. Certain merchant, product and service restrictions apply. Some merchants do not accept virtual cards. The physical card is included only with a paid Kavara Membership plan. Balances held with Halden Bank & Trust. Kavara is not a bank; deposit protection applies to eligible balances held at Halden Bank & Trust under the conditions set out in the account disclosures. Funds may be made available to you before Halden receives them; those early-availability funds may not be protected until received. Loans taken with the Kavara Card are not deposits.
3 Tap to pay: paying over time with a mobile wallet is subject to eligibility and approval, is not offered by the wallet provider, and is not available in every market or for every purchase type, such as subscriptions and recurring charges. Available online and in app. Not available in store. Software requirements apply. Any card used in a mobile wallet is offered by the card issuer.
4 Kavara Credit Card: issued by Halden Bank & Trust under licence from Orbis. Any purchase can be converted to Split 4 issued by Kavara Financial Inc. Loans arranged under a state financing licence #4082199. A rate of 27.4% APR applies to moved or split transactions.
5 Kavara Rewards are awarded as points, redeemable against your Kavara balance and other benefits. Earn points on purchases made in the Kavara app. A Kavara balance account is required to receive points. Point issuance depends on store approval and may be affected by cookie settings, combined offers, product exclusions or other factors beyond our control. Limitations, terms and conditions apply.
6 Exclusions apply. Read the full buyer protection policy.
7 Pay monthly: financing through Kavara, issued by Halden Bank & Trust.