# Split Pay: Split Bills in Two — Rent, Mortgage & Car Payments

> Split rent payments into two installments and build credit history. (iPhone/iPad app by Visible Ideas.)

- Source: https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850 (this page in markdown: same URL + `.md`)
- Developer: [Visible Ideas](https://appshunter.io/developer/1685211689)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 15,695 App Store ratings · 508 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 70 MB
- Languages: American English
- Released: 2023-09-19
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews.md

## What is Split Pay?

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe.

Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one.

Download Split Pay to put rent, mortgage, and car payments on your own schedule.

SPLIT PAY APP FEATURES:

WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY:

One bill, two payments, smarter timing.

Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds.

No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score.

Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot.

Build credit history with reported rent payments.

PAY BILLS IN TWO PAYMENTS

Choose a bill to split into two: rent, mortgage, or your car payment.

Apply in minutes, no credit check.

Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account.

Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts.

That's it. You get more room to breathe every month.

WHAT BILLS CAN I SPLIT?

Pay rent

Pay your mortgage

Pay car payments

Pay other bills coming soon

SIMPLE, TRANSPARENT PRICING

Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split.

Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing.

Download Split Pay to put rent, mortgage, and car payments on your own schedule.

Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

## Key features

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

## Chart rankings

- #81 in Top Free · Finance (US App Store)

## What do users think of Split Pay?

Overall sentiment: positive

**Pros**

- 🚀 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

**Cons**

- 🐛 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

**Commonly reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Most requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension

## Recent user reviews (10 of 508)

All indexed reviews: https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews.md

### 1/5 — Worst company

*2026-08-19, version 2.0.3*

This company is full of it they say even if you’re behind in your car note we help you I never got approved you can’t even talk to anyone I will never recommend this company

### 1/5 — Split pay!

*2026-08-15, version 2.0.3*

All the split pay apps are the same! They all SUCK! Don’t download!! They can’t/won’t help you! Not one of them are willing to work with you unless you have perfect credit! If I had perfect credit I wouldn’t need help from a split pay app!!!

### 5/5 — Best App

*2026-08-14, version 2.0.3*

Saved by the bell, great app

### 5/5 — Financial life saver!

*2026-08-13, version 2.0.3*

As a single parent Split to pay has been absolutely life saving! It has helped me stay on time with my bills but is also now helping me save money for emergencies because I don’t have to put my whole paycheck towards my bills at once. GAME CHANGER

### 5/5 — Rating

*2026-08-13, version 2.0.3*

I recommend this easy to pay rent with no worries

### 5/5 — Clutch

*2026-08-13, version 2.0.3*

Honestly was a bit skeptical due to another app but man this really helped me out

### 1/5 — What a joke

*2026-08-13, version 2.0.3*

This app is a joke you have to have a certain amount in your checking account before you apply. And if you just paid a big bill you better hold off a paying it if you want this app. When talking to the customer service team they were not helpful on anything wish I could give it a negative star

### 5/5 — Easy & Helpful

*2026-08-13, version 2.0.3*

The app is very easy to use. This really helps when the bills are piling up. Paying half of your rent later is awesome!!!!!

### 5/5 — Lifesaver!

*2026-08-12, version 2.0.3*

Split-Pay has allowed me to make my rent payments without sacrificing day to day needs. As a single mom, things like this can help a lot. Excellent service.

### 5/5 — Spit

*2026-08-12, version 2.0.3*

Blessing !

## Frequently asked questions about Split Pay

### 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.

## Version history (last 5 releases)

### 2.0.4 — 2026-08-25

Cleaned up some issues and made general improvements.

### 2.0.3 — 2026-08-08

Resolved minor issues and enhanced stability.

### 2.0.2 — 2026-07-23

Bug fixes and general improvements.

### 2.0.1 — 2026-07-10

Optimized the app and fixed reported issues.

### 2.0.0 — 2026-07-03

Say hello to the new Split Pay. We rebuilt the app from the ground up, with a faster two-minute application and a cleaner design. You can now split rent, mortgage, and car payments, so your biggest bills do not all land at once. Your biller still gets paid in full upfront. You just get more room to breathe.

## Apps similar to Split Pay

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Boom - Build credit with rent.](https://appshunter.io/ios/app/boom-build-credit-with-rent/id1534466495) | 4.6 (1,215) | Free | Finance |
| [Flex - Rent On Your Schedule](https://appshunter.io/ios/app/flex-rent-on-your-schedule/id1458274896) | 4.8 (459,903) | Free | Finance |
| [Mine (formerly Fizz): MoneyGPT](https://appshunter.io/ios/app/mine-formerly-fizz-moneygpt/id1629069157) | 4.8 (12,175) | Free | Finance |
| [OneBlinc Cash Advance](https://appshunter.io/ios/app/oneblinc-cash-advance/id1593417965) | 4.8 (13,742) | Free | Finance |
| [Livble - Split your rent](https://appshunter.io/ios/app/livble-split-your-rent/id1620907639) | 4.6 (2,213) | Free | Finance |
| [Deferit: Pay bills in 4](https://appshunter.io/ios/app/deferit-pay-bills-in-4/id1454473561) | 4.8 (31,689) | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*