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Split Pay: Split Bills in Two

Split Pay: Split Bills in Two

Rent, Mortgage & Car Payments

23K ratings
725 reviews
#156 in free Finance
💰 Finance
Free

Details

Released
September 19, 2023
Updated
November 9, 2026

Features

Developer

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📉no. 156
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About

This app allows you to split major bills like rent, mortgage, and car payments into two smaller, more manageable installments. It aligns payment timing with your paychecks, offering flexibility without requiring a credit check and working with any landlord or lender.

✓Split rent, mortgage, and car payments
✓Align payments with paychecks
✓No credit check required
✓Works with any landlord or lender
✓Build credit history with reported payments
✓Dedicated human support team
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What users say about Split Pay

Reviews of Split Pay are mostly positive: the Finance app is rated 4.9/5 from 23K App Store ratings. What users like most: great service with team members that go above and beyond, easy to use and intuitive. Top complaints: delayed rent payments to landlord, accounts suspended with no explanation. Summarized from real user reviews.

Positive things

  • 🚀Great service with team members that go above and beyond
  • 👍Easy to use and intuitive
  • 💡Helpful split pay feature
  • 🚀Smooth and seamless process
  • 👍Convenient for budgeting and managing rent payments
  • 🚀Quick and responsive customer service
  • 👍Helps build credit history

Negative things

  • 🐛Delayed rent payments to landlord
  • 🐛Accounts suspended with no explanation
  • 🐛Difficult to get approved for split pay
  • 🐛App crashes and freezes
  • 🐛Lack of integration with property management portals
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+1

What's New in Split Pay

2.1.3

November 9, 2026

Resolved minor issues and enhanced stability.

Charts

Top Free

📉 156-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on November 15, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Best app

I send all my Clients and my family to this app this helps with rent better then any app. Love it
Mmmmmeessshhaa

The best

Thank you for being there for me during hard times appreciate you SPLIT PAY!
CChothu30

Rent

I just started using Split Pay and I’m so grateful to have them.. Thank you for allowing me to use this company when I needed it the most.
MMoValte

So satisfied

The best thing that was ever created For someone who has lived check to check… thanks ! Haven’t been late for an entire year!!!! Highly recommend
CRCool rent

Very useful

I absolutely love this app! Split Pay has made managing my payments so much easier and less stressful. Oh man I love the flexibility, convenience, and peace of mind it provides. It’s incredibly helpful to have another option that makes budgeting and staying on top of expenses more manageable. The app is easy to use, and the whole experience has been great. Definitely one of those apps you don’t realize how much you appreciate until you start using it. Highly recommend!
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CCezar810
See 720 more reviews

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

How does Split Pay work?

Split Pay allows you to divide large bills like rent, mortgage, or car payments into two smaller installments. The app then schedules these payments to align with your paychecks, providing more breathing room in your budget. Your landlord or lender receives the full payment on the due date.

What bills can I split with Split Pay?

You can split rent, mortgage payments, and car payments using Split Pay. The app also indicates that other bills will be supported in the future.

Does Split Pay require a credit check?

No, Split Pay does not require a credit check. Eligibility is determined by factors such as income and cash flow, making it accessible even if you have no established credit history.

How much does Split Pay cost?

Split Pay has a transparent pricing model. It costs $9.99 per month, plus a 1.5% transaction fee on the amount you split. This fee remains consistent regardless of how the bill is divided.

Can Split Pay help me build credit history?

Yes, Split Pay can help you build credit history. The app reports your rent payments, which can positively impact your credit score over time.

What kind of support does Split Pay offer?

Split Pay provides access to a dedicated support team composed of real humans. This ensures you can get assistance when needed, rather than relying solely on automated responses.

Is Split Pay available on Android devices?

Based on the provided data, Split Pay is currently only supported on iPhone devices. There is no information indicating availability on Android or other platforms.

How often is Split Pay updated?

The latest version of Split Pay is 2.1.3, and it was last updated on November 9, 2026. This indicates a recent update, suggesting ongoing development and maintenance.