# Flex vs Split Pay

The clearest difference is ads: Split Pay at none against Flex's shown. Split Pay also leads on monetization model (free vs free with in-app purchases). Flex's advantage is ratings volume (489K vs 16K) and update cadence (weekly vs fortnightly). On price, rating, review sentiment and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Flex against 4.9 for Split Pay. That said, the two scores are not equally well evidenced: Flex has 489K ratings behind it against 16K, so its average is the more settled of the two. Written reviews are what separate them: 79% of Flex's written reviews are positive against 73% of Split Pay's.

Flex ships an update weekly, Split Pay fortnightly. Both last shipped on September 25, 2026.

## The numbers

| Metric | Flex | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (489K ratings)](https://appshunter.io/ios/app/flex-rent-on-your-schedule/id1458274896/reviews) | **[4.9 (16K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | **489K** | 16K |
| Positive reviews | **78.9% of reviews** | 72.6% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#36** | #83 |
| Size | 122 MB | 70 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Flexible Finance, Inc.](https://appshunter.io/developer/1458274895) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Flex

[App page](https://appshunter.io/ios/app/flex-rent-on-your-schedule/id1458274896)

**Currently charting:** #36 Top Free · Finance (US App Store)

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

**Highlights:** Split rent into smaller payments, Pay rent on your own schedule, Build credit history, Access to a credit line for rent, Pay rent on time

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Helpful for budgeting
- 👍 Convenient rent payment
- 🚀 Flexible payment schedule
- 👍 Good customer service (in some cases)

**What reviewers complain about**

- 🐛 Unreliable payment processing
- 🔍 Lack of transparency
- 💬 Poor communication from company
- 🔍 Difficult to reach customer support
- 🤯 Causes financial issues/overdrafts

**Reported bugs**

- Incorrect rent amounts charged
- Payments not processed on time
- Account deactivation issues
- Linking property portal problems

**Requested features**

- Self-payment option
- Flexible rent amount split
- Improved communication channels
- Timely notifications about payment status


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #83 Top Free · Finance (US App Store)

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.

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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**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


## Frequently asked questions

### Is Flex free?

Flex is free to download, with no in-app purchases.

### Is Split Pay free?

Split Pay is free to download, with no in-app purchases.

### Which has better reviews, Flex or Split Pay?

Split Pay is rated higher. Flex averages 4.8 out of 5 from 489K ratings, while Split Pay averages 4.9 from 16K ratings.

### Do Flex or Split Pay have ads?

Flex shows ads; Split Pay does not.

### Which is updated more often, Flex or Split Pay?

Flex ships an update weekly, and Split Pay fortnightly. Most recently, Flex was updated on September 25, 2026 and Split Pay on September 25, 2026.

### Which is more popular, Flex or Split Pay?

Flex currently peaks at #36 in the App Store charts, and Split Pay at #83. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*