Sunbit vs Split Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sunbit
Manage your buy now, pay over time financing for everyday purchases and services. View account details, make payments, and track your installment plans. Access your transaction history and update payment information easily.
- Manage Sunbit Card
- View account details
- Make payments
- Download monthly statements
- Manage payment plans
- Track installment payments
- Update payment methods
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Sunbit is the Buy Now, Pay-over-time solution for everyday needs and services. Sunbit technology helps you buy what you need without stress. Available in thousands of locations nationwide. An app just for Sunbit customers: Manage your Sunbit Card: View account details, see your minimum payment due, transactions and balances. Make payments. View or download your monthly statements. Update or change your default debit or bank account information. Contact customer support. Sunbit Payment Plans Get instant access to easy tools for managing your plan 24/7. View your purchases and monitor your installment payments. View activity, make payments or pay off early. Update your default payment method. View payment history and payments due. The Sunbit app is free, but your mobile carrier’s message and data rates may apply. Some features are only available for eligible customers and accounts. To log in, Sunbit customers must have a user ID and password or create one in the app. Loans are made by, and the Sunbit Card is issued by, Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit. The Sunbit Card is issued pursuant to a license from Visa U.S.A. Inc. All access and use of the app is subject to and governed by the Sunbit Terms of Use and Privacy Policy. Any feedback? Contact us at feedback@sunbit.com
Split Pay
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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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.
Screenshots
Verdict
The clearest difference is rating: Split Pay at 4.9 against Sunbit's 4.0. Split Pay also leads on review sentiment (72% vs 37%) and ratings volume (18K vs 371). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Split Pay holds the better App Store score, 4.9 against 4.0. That said, the two scores are not equally well evidenced: Split Pay has 18K ratings behind it against 371, so its average is the more settled of the two. Written reviews point the same way: 37% of Sunbit's written reviews are positive against 72% of Split Pay's.
Sunbit ships an update fortnightly, Split Pay every 2 weeks. The most recent releases landed on October 11, 2026 and October 13, 2026 respectively.
| Parameter | Sunbit | Split Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (371 ratings) | 4.9 (18K ratings) — better |
| Positive reviews | 37.2% of reviews | 72.1% of reviews — better |
| Number of ratings | 371 | 18K — better |
| Update frequency | Fortnightly — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #204 | #92 — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.6 |
| Further details — not scored | ||
| Size | 72 MB | 64 MB |
| Age rating | 4+ | 4+ |
| Developer | Sunbit. Inc | Visible Ideas |
Customer experience
Sunbit
Split Pay
User reviews
Sunbit
From 371 App Store ratingsWhat we love
- 🚀 Easy to use
- 💡 Helpful for financing needs
- 👍 Convenient app
- 🚀 Quick approval process
Room to improve
- 🐛 App crashes and freezes
- 🐛 Oversized UI elements
- 🐛 Face ID/login issues
- 🐛 Disconnects bank account
- 🐛 Lack of payment scheduling options
Split Pay
From 18K App Store ratingsWhat we love
- 🚀 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
Room to improve
- 🐛 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
Bugs and requests
Sunbit
Reported bugs
5 issues- App crashes when viewing transactions
- Face ID/login functionality not working
- Bank account keeps disconnecting
- Oversized UI elements on smaller screens
- Inability to see full payment details
Requested features
4 requests- Add payment scheduling options
- Improve app stability and performance
- Enhance user interface and navigation
- Provide better customer support
Split Pay
Reported bugs
3 issues- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed
Requested features
4 requests- 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
In-app purchases
Sunbit
No in-app purchases
Split Pay
No in-app purchases









