Split Pay: Rent, Mortgage, Car

Split Pay: Rent, Mortgage, Car

Bills that fit your paycheck

14K ratings
477 reviews
#117 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • September 19, 2023
  • August 8, 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
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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.

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

See all reviews
+1

What's New in Split Pay

2.0.3

August 8, 2026

Resolved minor issues and enhanced stability.

Charts

Top Free

📈 117+2

Finance

This app rose +2 positions in Finance chart.

Last updated on August 10, 2026.

User reviews

This app is legit!

I was a little hesitant to use the app after reading some mixed reviews, but I’m glad I gave it a chance. I was approved instantly, setting up the resident portal was easy, and they paid my rent on time.

I submitted my first payment on July 30, and today (August 4) I received confirmation that my rent was paid in full. My next payment is due on the 14th, and I like that you can manually adjust your due date by a few days if needed.

One tip: set up your payment a couple of days early so there’s enough time for it to process before your rent is due (the 5th for most people). So far, I’ve had a great experience and would definitely recommend it.
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Completely False Advertisement

They advertise like it’s easy to use. They don’t tell you that you have to check eligibility. What sense does that make? It’s not a credit check. You aren’t just automatically eligible like they advertise.

Horrible

The worst app. The 1st 3 months I tried using the service, would act like it was paying then decline. It took until the update to the new dashboard to say Discover isn’t accepted. So I set up Privacy.com to use a Mastercard and it still won’t work, because Privacy.com says it “unauthorized” even though it did an initial authorization to Split Pay when I set it up.

So frustrating when something that should be simple won’t work.
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Love this

This is the best thing since sliced bread for splitting up big expenses

Don’t even bother

Worse don’t try. It’s worse than you know. I have dang good credit. Deny me. It’s ok. Don’t need it. Bye

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.