# Split Pay vs Arivo One

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.

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.

## The numbers

| Metric | Split Pay | Arivo One |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (20K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/arivo-one/id6748318970/reviews) |
| Number of ratings | **20K** | 3 |
| Positive reviews | **71.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | **#71** | — |
| Size | 65 MB | 22 MB |
| Requires iOS | **16.6** | 17.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Visible Ideas](https://appshunter.io/developer/1685211689) | [Arivo Acceptance LLC](https://appshunter.io/developer/1363847406) |

## What reviewers say

### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #71 Top Free · Finance (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/arivo-one/id6748318970)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*