Comparison

Livble 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

Livble

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Highlights
  • Pay rent in installments
  • Flexible payment schedules
  • Manage rent payments
  • Schedule rent payments
Features
Read full description

Use Livble and pay rent throughout the month in flexible installments

About

Split Pay

This app allows you to split major bills like rent, mortgage, and car payments into two smaller, more manageable installments. It aligns payment timing with your paychecks, offering flexibility without requiring a credit check and working with any landlord or lender.

Highlights
  • Split rent, mortgage, and car payments
  • Align payments with paychecks
  • No credit check required
  • Works with any landlord or lender
  • Build credit history with reported payments
  • Dedicated human support team
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

Livble4 screens
Split Pay4 screens

Verdict

The call

The clearest difference is monetization model: Livble at free against Split Pay's free with in-app purchases. Livble also leads on review sentiment (90% vs 71%). Split Pay's advantage is rating (4.9 vs 4.6) and chart position (#135 vs unranked). 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 4.6. That said, the two scores are not equally well evidenced: Split Pay has 22K ratings behind it against 3.4K, so its average is the more settled of the two. Written reviews complicate that: 90% of Livble's written reviews are positive against 71% of Split Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Livble ships an update monthly, Split Pay fortnightly. Both last shipped on November 13, 2026.

Scorecard5 real differences · 6 level
Livble versus Split Pay: the parameters behind the verdict, then further details
ParameterLivbleSplit Pay
PriceFreeFree
Rating4.6 (3.4K ratings)4.9 (22K ratings) — better
Positive reviews90.2% of reviews — better71.4% of reviews
Number of ratings3.4K22K — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#135 — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.6
Further details — not scored
Size67 MB66 MB
Age rating4+4+
DeveloperLvble IncVisible Ideas

Customer experience

Livble

All ratings3,156 ratings
Positive89.9%
Neutral2.4%
Negative7.7%
Written reviews1,375 reviews
Positive90.2%
Neutral2.4%
Negative7.4%

Split Pay

All ratings21,600 ratings
Positive97.2%
Neutral0.6%
Negative2.2%
Written reviews725 reviews
Positive71.4%
Neutral1.8%
Negative26.8%

User reviews

Livble

From 3.4K App Store ratings

What we love

  • 🚀 Easy to use
  • 💡 Helpful for budgeting
  • 👍 Flexible payment options
  • 🚀 Convenient
  • 👍 Saves from late fees

Room to improve

  • 🐛 Unreliable app performance
  • 🔒 Security and privacy concerns
  • 🐛 Inconsistent payment processing
  • 🐛 Difficult to get approved
  • 🐛 Unresponsive customer support

Split Pay

From 22K 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

Livble

Reported bugs

3 issues
  • App crashes frequently
  • Bank account disconnections
  • Issues with portal login

Requested features

3 requests
  • Allow more flexible payment schedules
  • Integrate with a wider range of bank accounts
  • Provide more transparency on approval criteria

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

Livble

No in-app purchases

None

Split Pay

No in-app purchases

Questions

Is Livble free?
Livble 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, Livble or Split Pay?
Split Pay is rated higher. Livble averages 4.6 out of 5 from 3.4K ratings, while Split Pay averages 4.9 from 22K ratings.
Do Livble or Split Pay have ads?
Neither Livble nor Split Pay shows ads.
Which is updated more often, Livble or Split Pay?
Livble ships an update monthly, and Split Pay fortnightly. Most recently, Livble was updated on November 13, 2026 and Split Pay on November 13, 2026.

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