Comparison

Sunbit vs Split Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Manage Sunbit Card
  • View account details
  • Make payments
  • Download monthly statements
  • Manage payment plans
  • Track installment payments
  • Update payment methods
Features
Currently charting
Read full description

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

About

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.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

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

Sunbit4 screens
Split Pay4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Sunbit ships an update fortnightly, Split Pay every 2 weeks. The most recent releases landed on October 11, 2026 and October 13, 2026 respectively.

Scorecard3 real differences · 8 level
Sunbit versus Split Pay: the parameters behind the verdict, then further details
ParameterSunbitSplit Pay
PriceFreeFree
Rating4.0 (371 ratings)4.9 (18K ratings) — better
Positive reviews37.2% of reviews72.1% of reviews — better
Number of ratings37118K — better
Update frequencyFortnightly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#204#92 — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.6
Further details — not scored
Size72 MB64 MB
Age rating4+4+
DeveloperSunbit. IncVisible Ideas

Customer experience

Sunbit

All ratings371 ratings
Positive74.1%
Neutral3.8%
Negative22.1%
Written reviews94 reviews
Positive37.2%
Neutral8.5%
Negative54.3%

Split Pay

All ratings17,904 ratings
Positive97.0%
Neutral0.6%
Negative2.3%
Written reviews666 reviews
Positive72.1%
Neutral1.5%
Negative26.4%

User reviews

Sunbit

From 371 App Store ratings

What 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 ratings

What 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

None

Sunbit

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Sunbit free?
Sunbit 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, Sunbit or Split Pay?
Split Pay is rated higher. Sunbit averages 4.0 out of 5 from 371 ratings, while Split Pay averages 4.9 from 18K ratings.
Do Sunbit or Split Pay have ads?
Neither Sunbit nor Split Pay shows ads.
Which is updated more often, Sunbit or Split Pay?
Sunbit ships an update fortnightly, and Split Pay every 2 weeks. Most recently, Sunbit was updated on October 11, 2026 and Split Pay on October 13, 2026.
Which is more popular, Sunbit or Split Pay?
Sunbit currently peaks at #204 in the App Store charts, and Split Pay at #92. Chart position reflects recent download velocity rather than total install base.

Other comparisons