Split Pay: Rent, Mortgage, Car

Split Pay: Rent, Mortgage, Car

Pay rent on your schedule

13K ratings
464 reviews
#122 in free Finance
πŸ’° Finance
Free

Details

  • Released
  • Updated
  • September 19, 2023
  • July 10, 2026

Features

Split Pay: Rent, Mortgage, Car screenshot #1 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #2 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #3 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #4 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #5 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #6 for iPhone
Split Pay: Rent, Mortgage, Car screenshot #7 for iPhone
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About

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

βœ“Split rent into two payments
βœ“Build credit history
βœ“Improve budgeting
βœ“Works with all payment systems
βœ“Autopay functionality
βœ“Free credit reporting option
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What users say

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What's New in Split Pay

2.0.1

July 10, 2026

Optimized the app and fixed reported issues.

Charts

Top Free

πŸ“‰Β 122-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 21, 2026.

User reviews

Lifesaver

Awesome service that is provided by split pay.

Don’t waste your time. Go with Flex

Was not approved to cover my $582.39 car payment and advises to check back in another 30 days. What a joke. I have a stable continuous income that’s more than the payment with a job I’ve been with for three years now. I was approved with flex for my rent and even paid it off early in advance and that’s way more than my car note amount. Now I have to call my car note company and make a promise to pay in full instead. I was relying on this app due to being out of work a couple of days on medical leave. How inconvenient. The only thing about flex is you can only use it for either your rent or car payment.
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Helps

I absolutely love this app it’s a life saver

A fundamental need in today’s society

As someone who has been in the buy now, pay later scene for a while I have to say that split pay is something that is long overdue. We have needed a system that allows us to pay our mortgage, pay our car note, pay the big bills in a way that doesn’t drop the average struggling family into the negative for a long time. I have had the opportunity to use split pay for both my rent as well as my car note. And I am happy to say that I’ve not had any trouble. If you’re struggling, or you just need to use your money a bit more wisely, then definitely download this app.
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Lifesaver!

I could not believe that this actually worked. For the first time ever I found myself short on rent and I was stressing! Rent was due on the 1st and last fees started on the 6th and the day I found this app was the 5th!! It was a miracle. I was able to pay my rent on time with no late fees! Will be letting my friends know about this app. I came across the ad on Instagram and I thought it was too good to be true and figured what the heck, and it proved me wrong! I’m so beyond happy. Thank you Split Pay! β™₯️
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User experience

🐞

Reported Bugs

3 issues

Login screen freezes

Bug

Incompatibility with certain bank accounts

Bug

Payments not showing up in app after being processed

Bug
✨

Requested Features

4 requests

Ability to change payment dates after initial setup

Feature

Option to adjust second split pay date within 30-day period

Feature

Integration with property management payment portals

Feature

Clearer communication on approval process and reasons for account suspension

Feature

FAQ

What does Split Pay do?

Split Pay allows you to divide your monthly rent into two smaller payments, making it easier to manage your finances. You can pay half on your rent due date and the other half two weeks later. This feature aims to reduce rent day stress and improve budgeting.

How does Split Pay help build credit history?

When you opt into free credit reporting and use autopay, your on-time rent payments are reported to credit bureaus. Payment history is a significant factor in credit scores, so consistently paying rent on time through the app can help you build a stronger credit history.

Is there a cost to use Split Pay?

Based on the provided information, the app is free to download and use. There are no mentions of subscription fees or in-app purchases for the core Split Pay functionality or credit reporting.

Does Split Pay work with any landlord or building management system?

Yes, Split Pay is designed to be compatible with various rental payment methods. Whether you pay through a building portal or directly to your landlord, the app can accommodate your payment setup without compatibility issues.

How quickly can I start using Split Pay?

You can get started in minutes. The process involves downloading the app, securely connecting your bank account, checking your eligibility for Split Pay, and then scheduling your first payment. You can potentially use it for your next month's rent.