Comparison

Split Pay vs Arivo One

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

Arivo One

Manage your loan payments effortlessly. Schedule one-time or recurring payments, view your transaction history, and connect with customer support directly through the app.

Highlights
  • Instant and scheduled payments
  • Autopay setup
  • Payment history viewing
  • Customer support chat
Features
Read full description

Make instant or scheduled payments on your Arivo loan. Setup autopay to never miss a payment. View your payment history. Chat with our customer support.

Screenshots

Split Pay4 screens
Arivo One4 screens

Verdict

The call

The clearest difference is review sentiment: Split Pay at 72% against Arivo One's 0%. Split Pay also leads on rating (4.9 vs 2.3) and ratings volume (20K vs 3). 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 2.3. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 72% of Split Pay's written reviews are positive against 0% of Arivo One's.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Arivo One fortnightly. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

Scorecard4 real differences · 7 level
Split Pay versus Arivo One: the parameters behind the verdict, then further details
ParameterSplit PayArivo One
PriceFreeFree
Rating4.9 (20K ratings) — better2.3 (3 ratings)
Positive reviews71.8% of reviews — better0.0% of reviews
Number of ratings20K — better3
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#72 — better—
DevicesiPhoneiPhone
Requires iOS16.6 — better17.4
Further details — not scored
Size65 MB22 MB
Age rating4+4+
DeveloperVisible IdeasArivo Acceptance LLC

Customer experience

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews687 reviews
Positive71.8%
Neutral1.6%
Negative26.6%

Arivo One

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 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

Arivo One

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

None

Arivo One

No in-app purchases

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Arivo One free?
Arivo One is free to download, with no in-app purchases.
Which has better reviews, Split Pay or Arivo One?
Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Arivo One averages 2.3 from 3 ratings.
Do Split Pay or Arivo One have ads?
Neither Split Pay nor Arivo One shows ads.
Which is updated more often, Split Pay or Arivo One?
Split Pay ships an update every 2 weeks, and Arivo One fortnightly. Most recently, Split Pay was updated on October 26, 2026 and Arivo One on October 25, 2026.

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