Comparison

Direct Auto Insurance 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

Direct Auto Insurance

Manage your auto insurance policy conveniently from your mobile device. Access policy documents, ID cards, make payments, and handle claims on the go. Request roadside assistance and review your coverage details anytime, anywhere.

Highlights
  • Access ID cards
  • Make payments
  • Sign policy documents
  • Request roadside assistance
  • File a claim
  • View policy documents
Features
Currently charting
Read full description

Access your policy on the go. Here are some of the things you can do with the Direct Auto app: - Sign your new policy documents - Access your ID cards - Make a payment - Reinstate or renew your policy - Request roadside assistance - File a claim - View your drivers and vehicles - View your coverages - View all policy documents - View your payment history

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

Direct Auto Insurance4 screens
Split Pay4 screens

Verdict

The call

Direct Auto Insurance and Split Pay both sit at 4.8 stars, but that hides the real split: 72% of Split Pay's written reviews are positive against 42% of Direct Auto Insurance's. Split Pay also leads on chart position (#28 vs #188). On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.8 for Direct Auto Insurance against 4.9 for Split Pay. Both are backed by a comparable volume of ratings — 57K and 21K respectively. Written reviews are what separate them: 42% of Direct Auto Insurance's written reviews are positive against 72% of Split Pay's.

UpkeepUpdate frequency

Direct Auto Insurance ships an update monthly, Split Pay fortnightly. Both last shipped on November 1, 2026.

Scorecard2 real differences · 9 level
Direct Auto Insurance versus Split Pay: the parameters behind the verdict, then further details
ParameterDirect Auto InsuranceSplit Pay
PriceFreeFree
Rating4.8 (57K ratings)4.9 (21K ratings) — better
Positive reviews41.7% of reviews72.0% of reviews — better
Number of ratings57K — better21K
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#188#28 — better
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.6 — better
Further details — not scored
Size200 MB66 MB
Age rating4+4+
DeveloperNational General Insurance CompanyVisible Ideas

Customer experience

Direct Auto Insurance

All ratings53,904 ratings
Positive95.8%
Neutral2.3%
Negative2.0%
Written reviews508 reviews
Positive41.7%
Neutral4.1%
Negative54.1%

Split Pay

All ratings20,390 ratings
Positive97.2%
Neutral0.6%
Negative2.2%
Written reviews707 reviews
Positive72.0%
Neutral1.7%
Negative26.3%

User reviews

Direct Auto Insurance

From 57K App Store ratings

What we love

  • 🚀 Quick and easy access
  • 👍 Affordable insurance
  • 👍 Friendly service
  • 👍 Smooth and easy to use

Room to improve

  • 🐛 Frequent app crashes and bugs
  • 🐛 Login and password issues
  • 🐛 Inability to manage policy details
  • 🐛 Unreliable app and website
  • 🐛 Frequent app updates required

Split Pay

From 21K 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

Direct Auto Insurance

Reported bugs

4 issues
  • App freezes and crashes
  • Login issues and inability to reset password
  • Inability to make payments through the app
  • Inconsistent app behavior and functionality

Requested features

4 requests
  • Add dark mode
  • Implement Face ID and widgets
  • Allow policy changes and updates through the app
  • Improve app stability and performance

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

Direct Auto Insurance

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Direct Auto Insurance free?
Direct Auto Insurance 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, Direct Auto Insurance or Split Pay?
Split Pay is rated higher. Direct Auto Insurance averages 4.8 out of 5 from 57K ratings, while Split Pay averages 4.9 from 21K ratings.
Do Direct Auto Insurance or Split Pay have ads?
Neither Direct Auto Insurance nor Split Pay shows ads.
Which is updated more often, Direct Auto Insurance or Split Pay?
Direct Auto Insurance ships an update monthly, and Split Pay fortnightly. Most recently, Direct Auto Insurance was updated on November 1, 2026 and Split Pay on November 1, 2026.
Which is more popular, Direct Auto Insurance or Split Pay?
Direct Auto Insurance currently peaks at #188 in the App Store charts, and Split Pay at #28. Chart position reflects recent download velocity rather than total install base.

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