Comparison

Liberty Rent 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

Liberty Rent

This app assists renters who face housing rejections by providing a path to lease approval. It aims to help individuals secure their next home by connecting them with communities needing qualified residents.

Highlights
  • Lease application assistance
  • Second chance housing
  • Connects renters with communities
  • Helps fill vacant homes
  • Secures housing leases
Read full description

Liberty Rent creates a pathway to housing for applicants who are often told “no.” Every day, we help open doors for renters who deserve a second chance while helping communities fill homes with qualified residents. Everyone deserves a second chance, and we’re here to help you get approved to move into your next home.

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

Liberty Rent4 screens
Split Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Split Pay at 72% against Liberty Rent's 0%. Split Pay also leads on ads (none vs shown) and monetization model (free vs ad-supported). Liberty Rent's advantage is device support (3 vs 1). On price, in-app purchases and iOS requirement 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.

UpkeepUpdate frequency

Liberty Rent ships an update monthly, Split Pay fortnightly. The most recent releases landed on October 10, 2026 and November 1, 2026 respectively.

Scorecard6 real differences · 5 level
Liberty Rent versus Split Pay: the parameters behind the verdict, then further details
ParameterLiberty RentSplit Pay
PriceFreeFree
Rating—4.9 (21K ratings) — better
Positive reviews0.0% of reviews72.0% of reviews — better
Number of ratings—21K — better
Update frequencyMonthlyFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank—#28 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.6
Further details — not scored
Size30 MB66 MB
Age rating4+4+
DeveloperLiberty RentVisible Ideas

Customer experience

Liberty Rent

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Split Pay

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

Bugs and requests

Liberty Rent

Not enough reviews yet to summarise bugs or requests.

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

Liberty Rent

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Liberty Rent free?
Liberty Rent is free to download, with no in-app purchases.
Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Do Liberty Rent or Split Pay have ads?
Liberty Rent shows ads; Split Pay does not.
Which is updated more often, Liberty Rent or Split Pay?
Liberty Rent ships an update monthly, and Split Pay fortnightly. Most recently, Liberty Rent was updated on October 10, 2026 and Split Pay on November 1, 2026.

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