Comparison

Split Pay vs Argyle

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

Head to head
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.

About

Argyle

Easily share your income and employment data with lenders, insurers, and background screeners. Securely connect your payroll account to avoid manual verification processes and speed up applications for homes or jobs.

Highlights
  • Income and employment verification
  • Secure payroll account connection
  • Direct data sharing with service providers
  • Faster application processing
  • No need for paystubs or forms
Features
Read full description

Faster, safer, and easier verifications with Argyle Whether you’re buying your first home or starting your dream job, Argyle helps you easily share your income and employment data directly with lenders, insurers, background screeners, and other service providers—so you can quickly advance your application. You do enough to earn your income. You shouldn’t have to jump through hoops to prove it. Argyle serves as a trusted intermediary, helping you securely connect your payroll and employer accounts with service providers. With Argyle, you never have to track down a paystub or fill out endless forms to verify your income and employment. How the app works: 1. Using your smartphone, open the camera to scan the QR code provided 2. Log in to your payroll account using your existing username and password 3. Once connected, Argyle’s secure technology retrieves your income and employment data for your service provider

Screenshots

Split Pay4 screens
Argyle3 screens

Verdict

The call

The clearest difference is review sentiment: Split Pay at 73% against Argyle's 0%. Split Pay also leads on rating (4.9 vs 1.6) and ratings volume (18K vs 7). Argyle's advantage is update cadence (weekly vs every 2 weeks) and iOS requirement (14.0 vs 16.6). On price, ads, in-app purchases and monetization model 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 1.6. That said, the two scores are not equally well evidenced: Split Pay has 18K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 73% of Split Pay's written reviews are positive against 0% of Argyle's.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Argyle weekly. The most recent releases landed on September 28, 2026 and September 1, 2026 respectively.

Scorecard6 real differences · 5 level
Split Pay versus Argyle: the parameters behind the verdict, then further details
ParameterSplit PayArgyle
PriceFreeFree
Rating4.9 (18K ratings) — better1.6 (7 ratings)
Positive reviews72.6% of reviews — better0.0% of reviews
Number of ratings18K — better7
Update frequencyEvery 2 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#56 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.614.0 — better
Further details — not scored
Size64 MB13 MB
Age rating4+4+
DeveloperVisible IdeasArgyle Systems Inc.

Customer experience

Split Pay

All ratings17,904 ratings
Positive97.0%
Neutral0.6%
Negative2.3%
Written reviews658 reviews
Positive72.6%
Neutral1.5%
Negative25.8%

Argyle

All ratings7 ratings
Positive14.3%
Neutral0.0%
Negative85.7%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and 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

Argyle

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

None

Argyle

No in-app purchases

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Argyle free?
Argyle is free to download, with no in-app purchases.
Which has better reviews, Split Pay or Argyle?
Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 18K ratings, while Argyle averages 1.6 from 7 ratings.
Do Split Pay or Argyle have ads?
Neither Split Pay nor Argyle shows ads.
Which is updated more often, Split Pay or Argyle?
Split Pay ships an update every 2 weeks, and Argyle weekly. Most recently, Split Pay was updated on September 28, 2026 and Argyle on September 1, 2026.

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