Split Pay vs Arivo One
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Split rent into two payments
- Build credit history
- Improve budgeting
- Works with all payment systems
- Autopay functionality
- Free credit reporting option
Read full descriptionHide 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.
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.
- Instant and scheduled payments
- Autopay setup
- Payment history viewing
- Customer support chat
Read full descriptionHide 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Split Pay | Arivo One |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (20K ratings) — better | 2.3 (3 ratings) |
| Positive reviews | 71.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 20K — better | 3 |
| Update frequency | Every 2 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #72 — better | — |
| Devices | iPhone | iPhone |
| Requires iOS | 16.6 — better | 17.4 |
| Further details — not scored | ||
| Size | 65 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | Visible Ideas | Arivo Acceptance LLC |
Customer experience
Split Pay
Arivo One
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
Split Pay
No in-app purchases
Arivo One
No in-app purchases









